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Column National Association

Chico, CA · Cert 58224

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 operating regionally (n=176). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

98

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

Column National Association

Chico, CA · Cert 58224

National charter · OCC · 2 branches

Q2 2026

$1.8BAssets
$358.6MLoans
$1.5BDeposits
$174.8MEquity
Loan mix
52%RE $166.5M9%C&I $29.6M39%Consumer $124.3MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $1.1B28%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.32%Q2 ’2410.05%Q2 ’256.31%Q2 ’26+149%-47%

Non-interest income vs. expense

4.45%Q2 ’244.27%Q2 ’254.53%Q2 ’26-126%-253%

Market Position · Chico, CA · 2026 SOD (annual) · 21.7% share · #1 of 13 inst. · $1.5B of $7.0B

21.7% Butte
0.0% Salt Lake

Executive Summary

  • Earnings: ROA of 8.13%, down 44 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.06% of loans (-39 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 8.43%, down 72 bps from a year ago.
  • Funding: loans stand at 23.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.13%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.57%-401 bps YoY

Efficiency Ratio (YTD, annualized)

38.91%+744 bps YoY

Tier 1 Leverage Ratio

8.43%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets8.58%7.80%7.76%8.28%8.13%-44 bps
Return on Equity102.92%90.08%79.09%68.77%73.35%-2,957 bps
Net Interest Margin8.58%7.16%5.74%4.88%4.57%-401 bps
Efficiency Ratio31.47%32.24%36.36%38.88%38.91%+744 bps
Non-Interest Burden-0.72%-1.15%-1.00%-2.11%-2.55%-183 bps
Growth
Asset Growth (YoY)54.10%77.57%15.65%76.78%112.10%+5,800 bps
Loan Growth (YoY)2.59%7.63%-1.47%45.41%70.35%+6,777 bps
Deposit Growth (YoY)53.65%74.36%5.26%71.84%114.69%+6,104 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.50%0.46%0.29%0.06%-39 bps
Net Charge-Offs / Loans0.00%0.00%0.08%0.00%-0.24%-24 bps
Allowance / Loans1.03%0.96%0.94%0.62%0.56%-46 bps
Allowance Coverage of NPLs2.3x1.9x2.1x2.1x9.5x+7.2x
Capital
Tier 1 Leverage Ratio9.15%9.26%8.94%8.03%8.43%-72 bps
Total Risk-Based Capital28.89%29.62%30.97%24.07%25.37%-352 bps
Equity / Assets10.27%9.30%14.62%10.47%9.88%-39 bps
Liquidity & Funding
Loans / Deposits29.55%21.94%30.83%27.25%23.45%-610 bps
Liquid Assets / Assets28.40%41.81%15.71%31.58%32.50%+410 bps
CRE / Total Capitaln/a129.79%110.00%91.04%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

Column National Association

Chico, CA · Cert 58224 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

National charter · OCC · 2 branches

Q2 2026

$1.8BAssets
$358.6MLoans
$1.5BDeposits
$174.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: equity / assets trails 60% of banks $1B-$10B in assets operating regionally (rank 106 of 176).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

6.14%

Rank 1 of 176

Net Interest Margin

4.57%

Rank 12 of 176

Efficiency Ratio

38.91%

Rank 8 of 176

Equity / Assets

9.88%

Rank 106 of 176

Non-interest income vs. expense

$154.4M$98.8MINCOMEEXPENSE
Favorable gap of $55.6M · efficiency ratio beats 96% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets6.14%0.93%1.26%1.54%Beats 99%1 / 176
Return on Equity62.16%9.26%11.89%14.46%Beats 99%1 / 176
Net Interest Margin4.57%3.25%3.59%3.93%Beats 93%12 / 176
Efficiency Ratio38.91%52.79%59.55%67.66%Beats 96%8 / 176
Asset Quality
Nonperforming Loans / Loans0.06%0.30%0.64%1.32%Beats 96%8 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176
Capital
Tier 1 Capital Ratio25.03%11.15%12.72%14.15%Beats 98%3 / 176
Total Risk-Based Capital Ratio25.37%11.81%13.63%15.33%Beats 98%3 / 176
Equity / Assets9.88%9.16%10.35%11.80%Beats 40%106 / 176
Liquidity & Funding
Loans / Deposits23.45%80.94%89.73%97.21%0th pctl176 / 176
Loans / Assets20.27%69.25%75.12%80.82%0th pctl176 / 176
Brokered Deposits / Depositsn/aNot reported for this institution