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Pacific Alliance Bank

San Gabriel, CA · Cert 58234

State charter, non-member · FDIC · 3 branches

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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

89

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

Pacific Alliance Bank

San Gabriel, CA · Cert 58234

State charter, non-member · FDIC · 3 branches

Q2 2026

$454.4MAssets
$348.0MLoans
$369.2MDeposits
$59.5MEquity
Loan mix
92%RE $321.2M8%C&I $28.4M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $354.1M4%Noninterest $15.0MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #69 of 107 inst. · $0.4B of $667.8B

0.1% Los Angeles
0.0% Orange

Executive Summary

  • Earnings: ROA of 1.56%, up 70 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.16% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.37%, up 6 bps from a year ago.
  • Funding: loans stand at 94.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+24 bps YoY

Efficiency Ratio (YTD, annualized)

46.16%-1,359 bps YoY

Tier 1 Leverage Ratio

13.37%+6 bps YoY

NIM

6.15%Q2 ’246.02%Q2 ’255.88%Q2 ’26+2%+9%

Non-interest income vs. expense

1.76%Q2 ’241.67%Q2 ’251.90%Q2 ’26-8%-53%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.37%0.48%0.85%0.86%0.53%2.32%1.56%+70 bps
Return on Equity3.81%2.71%3.74%6.64%6.66%4.16%17.94%12.01%+537 bps
Net Interest Margin2.59%2.45%2.31%2.72%2.75%2.85%2.96%2.95%+24 bps
Efficiency Ratio65.88%68.00%72.16%59.75%59.37%78.91%36.43%46.16%-1,359 bps
Non-Interest Burden1.70%1.66%1.63%1.59%1.60%2.24%-0.38%0.74%-84 bps
Growth
Asset Growth (YoY)2.45%4.47%11.67%12.50%12.15%6.90%5.71%6.01%-649 bps
Loan Growth (YoY)1.76%1.70%8.11%16.85%11.33%13.95%10.59%0.29%-1,656 bps
Deposit Growth (YoY)2.09%8.99%15.14%17.38%16.53%9.52%6.43%6.07%-1,131 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.16%1.66%0.18%0.91%0.17%0.16%0.16%-2 bps
Net Charge-Offs / Loans0.01%0.00%-0.03%-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans1.57%1.78%1.70%1.51%1.60%1.38%1.37%1.38%-13 bps
Allowance Coverage of NPLs7.9x11.0x1.0x8.5x1.8x8.3x8.6x8.6x+0.1x
Capital
Tier 1 Leverage Ratio14.43%13.75%13.06%13.31%13.27%13.47%13.41%13.37%+6 bps
Total Risk-Based Capital14.43%13.75%13.06%13.31%13.27%13.47%13.41%13.37%+6 bps
Equity / Assets13.67%12.98%12.65%12.91%12.81%12.81%13.00%13.09%+18 bps
Liquidity & Funding
Loans / Deposits95.26%92.04%91.68%99.70%91.01%95.76%95.27%94.26%-543 bps
Liquid Assets / Assets12.10%14.62%13.94%9.80%17.02%11.50%11.95%12.55%+276 bps
CRE / Total Capitaln/an/an/an/a406%445%455%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

Pacific Alliance Bank

San Gabriel, CA · Cert 58234 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 3 branches

Q2 2026

$454.4MAssets
$348.0MLoans
$369.2MDeposits
$59.5MEquity

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: total risk-based capital ratio trails 86% 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

1.54%

Rank 4 of 28

Net Interest Margin

2.95%

Rank 22 of 28

Efficiency Ratio

46.16%

Rank 4 of 28

Equity / Assets

13.09%

Rank 19 of 28

Non-interest income vs. expense

$5.2M$8.6MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 89% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 46.16%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.54%0.39%0.81%1.45%Beats 86%4 / 28
Return on Equity11.74%2.58%5.09%9.10%Beats 82%5 / 28
Net Interest Margin2.95%3.22%3.68%4.12%Beats 21%22 / 28
Efficiency Ratio46.16%56.77%70.25%85.37%Beats 89%4 / 28
Asset Quality
Nonperforming Loans / Loans0.16%n/a0.26%1.61%Beats 56%13 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio13.37%13.70%16.46%19.75%Beats 18%23 / 28
Total Risk-Based Capital Ratio13.37%14.96%17.60%20.63%Beats 14%24 / 28
Equity / Assets13.09%11.97%15.41%17.42%Beats 32%19 / 28
Liquidity & Funding
Loans / Deposits94.26%84.00%97.95%102.47%43rd pctl16 / 28
Loans / Assets76.59%69.18%76.59%81.19%50th pctl14 / 28
Brokered Deposits / Depositsn/aNot reported for this institution