PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $354.1M4%Noninterest $15.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.86%0.53%2.32%1.56%+70 bps
Return on Equity6.64%6.66%4.16%17.94%12.01%+537 bps
Net Interest Margin2.72%2.75%2.85%2.96%2.95%+24 bps
Efficiency Ratio59.75%59.37%78.91%36.43%46.16%-1,359 bps
Non-Interest Burden1.59%1.60%2.24%-0.38%0.74%-84 bps
Growth
Asset Growth (YoY)12.50%12.15%6.90%5.71%6.01%-649 bps
Loan Growth (YoY)16.85%11.33%13.95%10.59%0.29%-1,656 bps
Deposit Growth (YoY)17.38%16.53%9.52%6.43%6.07%-1,131 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.91%0.17%0.16%0.16%-2 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans1.51%1.60%1.38%1.37%1.38%-13 bps
Allowance Coverage of NPLs8.5x1.8x8.3x8.6x8.6x+0.1x
Capital
Tier 1 Leverage Ratio13.31%13.27%13.47%13.41%13.37%+6 bps
Total Risk-Based Capital13.31%13.27%13.47%13.41%13.37%+6 bps
Equity / Assets12.91%12.81%12.81%13.00%13.09%+18 bps
Liquidity & Funding
Loans / Deposits99.70%91.01%95.76%95.27%94.26%-543 bps
Liquid Assets / Assets9.80%17.02%11.50%11.95%12.55%+276 bps
CRE / Total Capitaln/a406%445%455%n/an/a