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

Unfavorable gap of $4.0M · efficiency ratio beats 18% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.69%	0.39%	0.81%	1.45%	Beats 32%	19 / 28
Return on Equity	5.10%	2.58%	5.09%	9.10%	Beats 54%	13 / 28
Net Interest Margin	3.95%	3.22%	3.68%	4.12%	Beats 68%	9 / 28
Efficiency Ratio	86.88%	56.77%	70.25%	85.37%	Beats 18%	24 / 28
Asset Quality
Nonperforming Loans / Loans	0.55%	n/a	0.26%	1.61%	Beats 37%	18 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	19.75%	13.70%	16.46%	19.75%	Beats 75%	7 / 28
Total Risk-Based Capital Ratio	21.00%	14.96%	17.60%	20.63%	Beats 79%	6 / 28
Equity / Assets	13.44%	11.97%	15.41%	17.42%	Beats 36%	18 / 28
Liquidity & Funding
Loans / Deposits	87.02%	84.00%	97.95%	102.47%	29th pctl	20 / 28
Loans / Assets	72.32%	69.18%	76.59%	81.19%	36th pctl	18 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution