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Commonwealth Business Bank

Los Angeles, CA · Cert 57873 · CBB Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commonwealth Business Bank

Los Angeles, CA · Cert 57873 · CBB Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.7BDeposits
$275.5MEquity
Loan mix
92%RE $1.4B8%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.4B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

6.70%Q2 ’246.12%Q2 ’255.77%Q2 ’26-10%-8%

Non-interest income vs. expense

2.32%Q2 ’242.24%Q2 ’252.13%Q2 ’26+2%-18%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #42 of 107 inst. · $1.1B of $667.8B

0.3% Los Angeles
0.7% Honolulu
0.2% Orange
0.0% Dallas

Executive Summary

  • Earnings: ROA of 1.09%, up 8 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 1.88% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.93%, down 51 bps from a year ago.
  • Funding: loans stand at 91.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-25 bps YoY

Efficiency Ratio (YTD, annualized)

56.65%-221 bps YoY

Tier 1 Leverage Ratio

13.93%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.00%0.98%1.16%1.09%+8 bps
Return on Equity7.13%7.13%7.09%8.59%7.98%+85 bps
Net Interest Margin3.34%3.32%3.05%3.02%3.09%-25 bps
Efficiency Ratio58.86%59.35%60.03%53.82%56.65%-221 bps
Non-Interest Burden1.77%1.79%1.67%1.28%1.45%-32 bps
Growth
Asset Growth (YoY)9.66%10.84%10.54%9.75%8.35%-132 bps
Loan Growth (YoY)1.70%1.88%1.73%1.11%4.24%+253 bps
Deposit Growth (YoY)13.72%15.06%15.28%14.13%9.11%-461 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.76%1.53%1.68%1.88%+15 bps
Net Charge-Offs / Loans0.21%0.12%0.09%0.00%0.00%-21 bps
Allowance / Loans1.06%1.12%1.12%1.15%1.14%+8 bps
Allowance Coverage of NPLs0.6x0.6x0.7x0.7x0.6x0.0x
Capital
Tier 1 Leverage Ratio14.45%14.32%13.23%13.76%13.93%-51 bps
Total Risk-Based Capital20.09%20.42%20.20%20.45%19.87%-22 bps
Equity / Assets14.40%13.51%13.37%13.70%14.01%-39 bps
Liquidity & Funding
Loans / Deposits95.85%86.85%85.66%86.96%91.56%-428 bps
Liquid Assets / Assets13.68%20.27%21.84%20.99%17.67%+399 bps
CRE / Total Capitaln/a482%475%465%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commonwealth Business Bank

Los Angeles, CA · Cert 57873 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · CBB Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

$2.0BAssets
$1.5BLoans
$1.7BDeposits
$275.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 5 of 17).
  • Widest gap: nonperforming loans / loans trails 88% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 16 of 17).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.10%

Rank 15 of 19

Net Interest Margin

3.09%

Rank 14 of 19

Efficiency Ratio

56.65%

Rank 15 of 19

Equity / Assets

14.01%

Rank 5 of 19

Non-interest income vs. expense

$13.5M$41.8MINCOMEEXPENSE
Unfavorable gap of $28.4M · efficiency ratio beats 26% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 56.65%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%1.10%1.26%1.57%Beats 21%15 / 19
Return on Equity7.88%8.62%11.28%14.70%Beats 16%16 / 19
Net Interest Margin3.09%3.07%3.30%3.62%Beats 26%14 / 19
Efficiency Ratio56.65%33.01%51.12%56.65%Beats 26%15 / 19
Asset Quality
Nonperforming Loans / Loans1.88%0.37%0.80%1.55%Beats 12%16 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 82%5 / 17
Capital
Tier 1 Capital Ratio18.65%12.10%14.67%23.92%Beats 58%8 / 19
Total Risk-Based Capital Ratio19.87%13.35%14.67%24.05%Beats 58%8 / 19
Equity / Assets14.01%9.84%11.18%14.01%Beats 74%5 / 19
Liquidity & Funding
Loans / Deposits91.56%79.34%95.16%100.04%37th pctl12 / 19
Loans / Assets77.51%69.86%77.55%83.04%42nd pctl11 / 19
Brokered Deposits / Depositsn/aNot reported for this institution