PackageTrendsPeer
Letter portraitLegal landscape

California International Bank, N.A.

Westminster, CA · Cert 57974

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

43

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

California International Bank, N.A.

Westminster, CA · Cert 57974

National charter · OCC · 1 branch

Q2 2026

$120.9MAssets
$83.6MLoans
$105.9MDeposits
$13.8MEquity
Loan mix
91%RE $61.4M9%C&I $6.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $96.1M9%Noninterest $9.8MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #92 of 107 inst. · $0.1B of $667.8B

Executive Summary

  • Earnings: ROA of 1.71%, up 80 bps year over year; NIM at 6.33%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.51%, down 364 bps from a year ago.
  • Funding: loans stand at 78.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.71%+80 bps YoY

Net Interest Margin (YTD, annualized)

6.33%-52 bps YoY

Efficiency Ratio (YTD, annualized)

73.16%-1,426 bps YoY

Tier 1 Leverage Ratio

13.51%-364 bps YoY

NIM

8.49%Q2 ’248.49%Q2 ’258.34%Q2 ’26+2%-8%

Non-interest income vs. expense

6.93%Q2 ’246.13%Q2 ’254.70%Q2 ’26-11%-23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.02%0.45%0.92%1.05%1.35%1.31%1.71%+80 bps
Return on Equity0.07%0.11%2.38%5.21%6.42%8.55%9.36%13.21%+800 bps
Net Interest Margin6.59%6.80%7.71%6.85%5.89%5.46%6.09%6.33%-52 bps
Efficiency Ratio99.77%99.68%94.27%87.42%84.81%81.62%78.15%73.16%-1,426 bps
Non-Interest Burden6.58%6.77%7.26%5.97%4.97%4.25%4.74%4.60%-136 bps
Growth
Asset Growth (YoY)-3.29%4.50%14.96%29.84%53.57%55.21%51.99%61.21%+3,137 bps
Loan Growth (YoY)5.17%13.01%18.18%44.83%46.05%39.17%30.38%38.15%-668 bps
Deposit Growth (YoY)-3.54%6.17%19.55%37.58%66.38%64.44%59.74%68.72%+3,113 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans5.74%5.01%4.62%3.94%3.93%3.60%3.54%2.85%-109 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.59%19.94%19.10%17.15%14.64%13.85%14.60%13.51%-364 bps
Total Risk-Based Capital39.34%33.54%29.64%25.61%14.64%13.85%14.60%13.51%-1,209 bps
Equity / Assets19.55%19.46%18.30%15.60%13.36%14.17%13.85%11.38%-422 bps
Liquidity & Funding
Loans / Deposits89.97%102.50%102.14%96.44%78.98%86.75%83.37%78.97%-1,747 bps
Liquid Assets / Assets23.00%16.98%15.77%17.97%30.09%23.85%26.99%26.78%+881 bps
CRE / Total Capitaln/an/an/an/a414%424%436%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

California International Bank, N.A.

Westminster, CA · Cert 57974 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

National charter · OCC · 1 branch

Q2 2026

$120.9MAssets
$83.6MLoans
$105.9MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: equity / assets trails 79% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 22 of 28).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.45%

Rank 7 of 28

Net Interest Margin

6.33%

Rank 1 of 28

Efficiency Ratio

73.16%

Rank 17 of 28

Equity / Assets

11.38%

Rank 22 of 28

Non-interest income vs. expense

$0.1M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 43% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 73.16%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.45%0.39%0.81%1.45%Beats 75%7 / 28
Return on Equity12.75%2.58%5.09%9.10%Beats 93%2 / 28
Net Interest Margin6.33%3.22%3.68%4.12%Beats 96%1 / 28
Efficiency Ratio73.16%56.77%70.25%85.37%Beats 43%17 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio13.51%13.70%16.46%19.75%Beats 21%22 / 28
Total Risk-Based Capital Ratio13.51%14.96%17.60%20.63%Beats 21%22 / 28
Equity / Assets11.38%11.97%15.41%17.42%Beats 21%22 / 28
Liquidity & Funding
Loans / Deposits78.97%84.00%97.95%102.47%14th pctl24 / 28
Loans / Assets69.18%69.18%76.59%81.19%25th pctl21 / 28
Brokered Deposits / Depositsn/aNot reported for this institution