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First General Bank

Rowland Heights, CA · Cert 58060

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

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

First General Bank

Rowland Heights, CA · Cert 58060

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.2BAssets
$944.2MLoans
$837.8MDeposits
$303.1MEquity
Loan mix
96%RE $826.8M4%C&I $33.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $724.5M14%Noninterest $113.3MQ2 2025Q2 2026

NIM

8.33%Q2 ’247.31%Q2 ’256.55%Q2 ’26-12%-9%

Non-interest income vs. expense

1.45%Q2 ’241.53%Q2 ’251.54%Q2 ’26+16%+2%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #45 of 107 inst. · $0.8B of $667.8B

0.2% Los Angeles
0.1% Orange

Executive Summary

  • Earnings: ROA of 2.31%, down 34 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 1.83% of loans (+78 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.30%, up 117 bps from a year ago.
  • Funding: loans stand at 112.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.31%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.78%-50 bps YoY

Efficiency Ratio (YTD, annualized)

31.65%+321 bps YoY

Tier 1 Leverage Ratio

26.30%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.65%2.69%2.56%2.26%2.31%-34 bps
Return on Equity10.84%10.86%10.23%8.64%8.88%-196 bps
Net Interest Margin5.28%5.29%5.25%4.75%4.78%-50 bps
Efficiency Ratio28.45%28.36%31.42%32.45%31.65%+321 bps
Non-Interest Burden1.42%1.42%1.57%1.48%1.45%+2 bps
Growth
Asset Growth (YoY)1.36%-0.41%-1.48%-0.15%3.33%+197 bps
Loan Growth (YoY)10.44%7.94%8.45%4.17%1.55%-889 bps
Deposit Growth (YoY)-1.07%-3.41%-4.88%-2.90%1.67%+273 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.97%2.03%2.00%1.83%+78 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.34%1.39%1.38%1.39%1.39%+4 bps
Allowance Coverage of NPLs1.3x1.4x0.7x0.7x0.8x-0.5x
Capital
Tier 1 Leverage Ratio25.13%25.61%25.85%26.44%26.30%+117 bps
Total Risk-Based Capital25.13%25.61%25.85%26.44%26.30%+117 bps
Equity / Assets25.05%25.67%25.91%26.39%25.80%+75 bps
Liquidity & Funding
Loans / Deposits112.84%110.89%114.23%114.55%112.71%-13 bps
Liquid Assets / Assets14.87%16.77%15.42%15.40%16.31%+144 bps
CRE / Total Capitaln/a282%271%263%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

First General Bank

Rowland Heights, CA · Cert 58060 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19)

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.2BAssets
$944.2MLoans
$837.8MDeposits
$303.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 17).
  • Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 15 of 17).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.26%

Rank 2 of 19

Net Interest Margin

4.78%

Rank 1 of 19

Efficiency Ratio

31.65%

Rank 3 of 19

Equity / Assets

25.80%

Rank 2 of 19

Non-interest income vs. expense

$1.1M$17.8MINCOMEEXPENSE
Unfavorable gap of $16.7M · efficiency ratio beats 89% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 31.65%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.26%1.10%1.26%1.57%Beats 89%2 / 19
Return on Equity8.77%8.62%11.28%14.70%Beats 26%14 / 19
Net Interest Margin4.78%3.07%3.30%3.62%Beats 95%1 / 19
Efficiency Ratio31.65%33.01%51.12%56.65%Beats 89%3 / 19
Asset Quality
Nonperforming Loans / Loans1.83%0.37%0.80%1.55%Beats 18%15 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%3 / 17
Capital
Tier 1 Capital Ratio26.30%12.10%14.67%23.92%Beats 79%4 / 19
Total Risk-Based Capital Ratio26.30%13.35%14.67%24.05%Beats 79%4 / 19
Equity / Assets25.80%9.84%11.18%14.01%Beats 89%2 / 19
Liquidity & Funding
Loans / Deposits112.71%79.34%95.16%100.04%89th pctl2 / 19
Loans / Assets80.37%69.86%77.55%83.04%58th pctl8 / 19
Brokered Deposits / Depositsn/aNot reported for this institution