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Calprivate Bank

La Jolla, CA · Cert 58291 · Private Bcorp of America Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$2.7BAssets
$2.1BLoans
$2.4BDeposits
$299.4MEquity
Loan mix
78%RE $1.6B22%C&I $0.5B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $1.7B28%Noninterest $0.7BQ2 2025Q2 2026

NIM

6.64%Q2 ’246.62%Q2 ’256.49%Q2 ’26+10%+7%

Non-interest income vs. expense

2.27%Q2 ’242.35%Q2 ’252.34%Q2 ’26+4%+2%

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.9% share · #13 of 42 inst. · $1.2B of $135.0B

0.9% San Diego
0.2% Los Angeles
0.3% Orange
0.1% Santa Barbara

Executive Summary

  • Earnings: ROA of 2.02%, up 24 bps year over year; NIM at 5.06%.
  • Asset quality: problem loans at 1.26% of loans (+89 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.52%, up 82 bps from a year ago.
  • Funding: loans stand at 89.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.02%+24 bps YoY

Net Interest Margin (YTD, annualized)

5.06%+35 bps YoY

Efficiency Ratio (YTD, annualized)

44.38%-288 bps YoY

Tier 1 Leverage Ratio

11.52%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.72%1.70%1.91%2.02%+24 bps
Return on Equity17.53%16.73%16.37%17.62%18.54%+101 bps
Net Interest Margin4.71%4.62%4.62%5.08%5.06%+35 bps
Efficiency Ratio47.27%47.90%47.59%44.13%44.38%-288 bps
Non-Interest Burden2.08%2.06%2.06%2.08%2.12%+4 bps
Growth
Asset Growth (YoY)7.42%7.99%4.55%8.50%10.32%+290 bps
Loan Growth (YoY)5.56%3.35%1.93%2.92%2.05%-352 bps
Deposit Growth (YoY)8.06%7.86%4.21%8.22%10.05%+199 bps
Asset Quality
Nonperforming Loans / Loans0.37%1.81%1.98%1.61%1.26%+89 bps
Net Charge-Offs / Loans0.12%0.15%0.22%0.21%0.08%-5 bps
Allowance / Loans1.35%1.38%1.38%1.41%1.43%+8 bps
Allowance Coverage of NPLs3.6x0.8x0.7x0.9x1.1x-2.5x
Capital
Tier 1 Leverage Ratio10.70%10.80%10.85%11.29%11.52%+82 bps
Total Risk-Based Capital13.37%13.81%13.90%14.20%14.86%+149 bps
Equity / Assets10.63%10.53%10.94%10.71%11.06%+43 bps
Liquidity & Funding
Loans / Deposits96.46%91.46%95.53%90.14%89.45%-701 bps
Liquid Assets / Assets4.67%8.96%5.79%9.73%9.65%+498 bps
CRE / Total Capitaln/a516%507%495%n/an/a