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

Unfavorable gap of $3.4M · efficiency ratio beats 89% 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	1.54%	0.39%	0.81%	1.45%	Beats 86%	4 / 28
Return on Equity	11.74%	2.58%	5.09%	9.10%	Beats 82%	5 / 28
Net Interest Margin	2.95%	3.22%	3.68%	4.12%	Beats 21%	22 / 28
Efficiency Ratio	46.16%	56.77%	70.25%	85.37%	Beats 89%	4 / 28
Asset Quality
Nonperforming Loans / Loans	0.16%	n/a	0.26%	1.61%	Beats 56%	13 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	13.37%	13.70%	16.46%	19.75%	Beats 18%	23 / 28
Total Risk-Based Capital Ratio	13.37%	14.96%	17.60%	20.63%	Beats 14%	24 / 28
Equity / Assets	13.09%	11.97%	15.41%	17.42%	Beats 32%	19 / 28
Liquidity & Funding
Loans / Deposits	94.26%	84.00%	97.95%	102.47%	43rd pctl	16 / 28
Loans / Assets	76.59%	69.18%	76.59%	81.19%	50th pctl	14 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution