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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

6.17%Q2 ’246.10%Q2 ’256.09%Q2 ’26+16%+10%

Non-interest income vs. expense

2.52%Q2 ’242.57%Q2 ’252.92%Q2 ’26+24%-23%

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 3.46%.
  • Asset quality: problem loans at 1.54% of loans (+28 bps YoY), with net charge-offs at 0.47%.
  • 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 (quarter, annualized)

1.01%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+31 bps YoY

Efficiency Ratio (quarter, annualized)

58.77%-720 bps YoY

Tier 1 Leverage Ratio

10.42%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.89%0.79%1.01%1.01%+19 bps
Return on Equity8.98%9.77%8.39%10.03%10.14%+116 bps
Net Interest Margin3.15%3.23%3.10%3.24%3.46%+31 bps
Efficiency Ratio65.97%63.85%66.25%62.13%58.77%-720 bps
Non-Interest Burden1.82%1.63%1.55%1.37%1.40%-41 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 / Loans0.08%0.28%0.30%0.27%0.47%+39 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