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US Metro Bank

Garden Grove, CA · Cert 58310 · US Metro Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

11

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

US Metro Bank

Garden Grove, CA · Cert 58310 · US Metro Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$161.4MEquity
Loan mix
92%RE $1.1B8%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.99%Q2 ’245.90%Q2 ’255.87%Q2 ’26+15%+10%

Non-interest income vs. expense

2.51%Q2 ’242.51%Q2 ’252.94%Q2 ’26+7%-20%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #39 of 107 inst. · $1.3B of $667.8B

0.2% Los Angeles
0.4% Orange
0.6% Snohomish
0.3% Pierce

Executive Summary

  • Earnings: ROA of 1.01%, up 19 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.54% of loans (+28 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 10.42%, up 61 bps from a year ago.
  • Funding: loans stand at 95.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+30 bps YoY

Efficiency Ratio (YTD, annualized)

60.42%-580 bps YoY

Tier 1 Leverage Ratio

10.42%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.84%0.83%1.01%1.01%+19 bps
Return on Equity9.06%9.32%9.01%10.03%10.08%+102 bps
Net Interest Margin2.99%2.97%2.92%3.24%3.30%+30 bps
Efficiency Ratio66.22%65.32%65.59%62.13%60.42%-580 bps
Non-Interest Burden1.71%1.62%1.56%1.37%1.36%-34 bps
Growth
Asset Growth (YoY)7.74%12.97%11.10%10.30%12.98%+524 bps
Loan Growth (YoY)9.03%12.44%8.63%8.75%11.53%+250 bps
Deposit Growth (YoY)8.26%13.84%10.12%10.15%12.23%+397 bps
Asset Quality
Nonperforming Loans / Loans1.27%1.50%1.57%1.62%1.54%+28 bps
Net Charge-Offs / Loans0.04%0.12%0.17%0.27%0.37%+33 bps
Allowance / Loans1.20%1.19%1.24%1.27%1.27%+7 bps
Allowance Coverage of NPLs0.9x0.8x0.8x0.8x0.8x-0.1x
Capital
Tier 1 Leverage Ratio9.81%9.47%10.22%10.61%10.42%+61 bps
Total Risk-Based Capital13.21%13.16%14.10%14.05%13.60%+39 bps
Equity / Assets9.32%8.85%10.08%10.16%9.84%+51 bps
Liquidity & Funding
Loans / Deposits95.99%91.74%94.48%95.60%95.40%-59 bps
Liquid Assets / Assets9.48%13.25%12.01%11.07%10.61%+113 bps
CRE / Total Capitaln/a641%579%582%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

US Metro Bank

Garden Grove, CA · Cert 58310 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · US Metro Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.6BAssets
$1.4BLoans
$1.4BDeposits
$161.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 47% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 10 of 19).
  • Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.98%

Rank 17 of 19

Net Interest Margin

3.30%

Rank 10 of 19

Efficiency Ratio

60.42%

Rank 18 of 19

Equity / Assets

9.84%

Rank 15 of 19

Non-interest income vs. expense

$25.1M$46.8MINCOMEEXPENSE
Unfavorable gap of $21.7M · efficiency ratio beats 11% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 60.42%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.98%1.10%1.26%1.57%Beats 11%17 / 19
Return on Equity9.92%8.62%11.28%14.70%Beats 32%13 / 19
Net Interest Margin3.30%3.07%3.30%3.62%Beats 47%10 / 19
Efficiency Ratio60.42%33.01%51.12%56.65%Beats 11%18 / 19
Asset Quality
Nonperforming Loans / Loans1.54%0.37%0.80%1.55%Beats 35%12 / 17
Net Charge-Offs / Loans0.18%0.00%0.01%0.05%Beats 12%16 / 17
Capital
Tier 1 Capital Ratio12.35%12.10%14.67%23.92%Beats 32%13 / 19
Total Risk-Based Capital Ratio13.60%13.35%14.67%24.05%Beats 26%14 / 19
Equity / Assets9.84%9.84%11.18%14.01%Beats 21%15 / 19
Liquidity & Funding
Loans / Deposits95.40%79.34%95.16%100.04%53rd pctl9 / 19
Loans / Assets83.57%69.86%77.55%83.04%79th pctl4 / 19
Brokered Deposits / Depositsn/aNot reported for this institution