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California Business Bank

Irvine, CA · Cert 58037

State charter, non-member · FDIC · 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

18

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 Business Bank

Irvine, CA · Cert 58037

State charter, non-member · FDIC · 1 branch

Q2 2026

$130.5MAssets
$94.4MLoans
$108.4MDeposits
$17.5MEquity
Loan mix
66%RE $63.5M33%C&I $31.7M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $73.6M32%Noninterest $34.8MQ2 2025Q2 2026

NIM

5.50%Q2 ’245.47%Q2 ’255.87%Q2 ’26-8%+5%

Non-interest income vs. expense

5.35%Q2 ’244.92%Q2 ’254.81%Q2 ’26-13%-1%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #90 of 107 inst. · $0.1B of $667.8B

Executive Summary

  • Earnings: ROA of 0.72%, up 21 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.55% of loans (-132 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.46%, down 83 bps from a year ago.
  • Funding: loans stand at 87.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+18 bps YoY

Efficiency Ratio (YTD, annualized)

86.88%-373 bps YoY

Tier 1 Leverage Ratio

14.46%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.46%0.75%0.73%0.72%+21 bps
Return on Equity3.34%3.17%5.14%5.13%5.13%+179 bps
Net Interest Margin3.78%3.36%3.70%3.91%3.95%+18 bps
Efficiency Ratio90.61%91.09%86.57%86.69%86.88%-373 bps
Non-Interest Burden3.27%2.93%3.00%3.16%3.23%-4 bps
Growth
Asset Growth (YoY)14.54%20.09%14.51%11.24%12.99%-155 bps
Loan Growth (YoY)14.89%8.60%2.02%10.35%4.14%-1,075 bps
Deposit Growth (YoY)12.56%19.59%16.82%12.77%15.02%+245 bps
Asset Quality
Nonperforming Loans / Loans1.86%1.73%2.34%0.49%0.55%-132 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.76%1.85%1.76%1.51%1.56%-20 bps
Allowance Coverage of NPLs0.9x1.1x0.7x3.1x2.9x+1.9x
Capital
Tier 1 Leverage Ratio15.29%13.78%14.01%14.79%14.46%-83 bps
Total Risk-Based Capital19.33%18.85%19.26%20.47%21.00%+168 bps
Equity / Assets14.58%13.20%14.20%14.26%13.44%-114 bps
Liquidity & Funding
Loans / Deposits96.11%80.63%90.51%95.32%87.02%-909 bps
Liquid Assets / Assets7.26%2.62%2.01%2.44%1.92%-534 bps
CRE / Total Capitaln/a349%335%359%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 Business Bank

Irvine, CA · Cert 58037 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 1 branch

Q2 2026

$130.5MAssets
$94.4MLoans
$108.4MDeposits
$17.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: efficiency ratio trails 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 24 of 28).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.69%

Rank 19 of 28

Net Interest Margin

3.95%

Rank 9 of 28

Efficiency Ratio

86.88%

Rank 24 of 28

Equity / Assets

13.44%

Rank 18 of 28

Non-interest income vs. expense

$2.0M$5.9MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 18% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 86.88%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.39%0.81%1.45%Beats 32%19 / 28
Return on Equity5.10%2.58%5.09%9.10%Beats 54%13 / 28
Net Interest Margin3.95%3.22%3.68%4.12%Beats 68%9 / 28
Efficiency Ratio86.88%56.77%70.25%85.37%Beats 18%24 / 28
Asset Quality
Nonperforming Loans / Loans0.55%n/a0.26%1.61%Beats 37%18 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio19.75%13.70%16.46%19.75%Beats 75%7 / 28
Total Risk-Based Capital Ratio21.00%14.96%17.60%20.63%Beats 79%6 / 28
Equity / Assets13.44%11.97%15.41%17.42%Beats 36%18 / 28
Liquidity & Funding
Loans / Deposits87.02%84.00%97.95%102.47%29th pctl20 / 28
Loans / Assets72.32%69.18%76.59%81.19%36th pctl18 / 28
Brokered Deposits / Depositsn/aNot reported for this institution