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Letter portraitLegal landscapeQuarterYTD

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 2.12%, up 77 bps year over year; NIM at 7.25%.
  • 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 (quarter, annualized)

2.12%+77 bps YoY

Net Interest Margin (quarter, annualized)

7.25%+34 bps YoY

Efficiency Ratio (quarter, annualized)

69.44%-1,126 bps YoY

Tier 1 Leverage Ratio

13.51%-364 bps YoY

NIM

8.68%Q2 ’248.67%Q2 ’259.39%Q2 ’26+2%+5%

Non-interest income vs. expense

7.05%Q2 ’245.71%Q2 ’255.11%Q2 ’26-19%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.04%0.45%1.35%1.26%2.02%1.31%2.12%+77 bps
Return on Equity0.18%0.21%2.38%8.01%8.79%14.69%9.36%16.98%+897 bps
Net Interest Margin6.73%7.07%7.71%6.91%6.23%6.34%6.09%7.25%+34 bps
Efficiency Ratio99.41%99.42%94.27%80.70%80.02%76.86%78.15%69.44%-1,126 bps
Non-Interest Burden6.69%7.02%7.26%5.55%4.95%3.88%4.74%5.00%-55 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