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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