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Mega Bank

San Gabriel, CA · Cert 58401

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

68

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

Mega Bank

San Gabriel, CA · Cert 58401

State charter, non-member · FDIC · 4 branches

Q2 2026

$506.7MAssets
$433.1MLoans
$426.1MDeposits
$74.1MEquity
Loan mix
94%RE $363.7M4%C&I $15.6M2%Consumer $6.6MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $399.2M6%Noninterest $26.9MQ2 2025Q2 2026

NIM

6.83%Q2 ’246.84%Q2 ’256.55%Q2 ’26+8%-1%

Non-interest income vs. expense

2.27%Q2 ’242.38%Q2 ’252.32%Q2 ’26+7%-6%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #62 of 107 inst. · $0.4B of $667.8B

0.1% Los Angeles
0.0% Orange

Executive Summary

  • Earnings: ROA of 1.15%, up 23 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.61% of loans (+13 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 14.43%, up 82 bps from a year ago.
  • Funding: loans stand at 101.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-5 bps YoY

Efficiency Ratio (YTD, annualized)

58.92%-196 bps YoY

Tier 1 Leverage Ratio

14.43%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.84%0.97%0.90%1.15%+23 bps
Return on Equity7.04%6.34%7.20%6.38%8.11%+108 bps
Net Interest Margin3.70%3.86%3.66%3.32%3.66%-5 bps
Efficiency Ratio60.88%60.86%60.87%68.08%58.92%-196 bps
Non-Interest Burden2.17%2.29%2.15%2.22%2.04%-14 bps
Growth
Asset Growth (YoY)-1.82%-1.53%-2.74%1.03%-0.41%+141 bps
Loan Growth (YoY)5.20%4.98%0.76%-3.90%4.92%-27 bps
Deposit Growth (YoY)-1.54%-4.51%-2.66%0.30%-1.96%-41 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.44%2.64%2.23%1.61%+13 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.01%0.04%+1 bps
Allowance / Loans1.22%1.32%1.24%1.25%1.30%+8 bps
Allowance Coverage of NPLs0.8x0.9x0.5x0.6x0.8x0.0x
Capital
Tier 1 Leverage Ratio13.61%13.99%13.85%13.95%14.43%+82 bps
Total Risk-Based Capital17.00%16.69%17.17%17.73%17.60%+60 bps
Equity / Assets13.51%13.68%14.03%14.03%14.62%+110 bps
Liquidity & Funding
Loans / Deposits94.98%101.55%96.91%94.82%101.65%+666 bps
Liquid Assets / Assets12.99%10.70%10.88%13.75%8.23%-476 bps
CRE / Total Capitaln/a489%474%468%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

Mega Bank

San Gabriel, CA · Cert 58401 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 4 branches

Q2 2026

$506.7MAssets
$433.1MLoans
$426.1MDeposits
$74.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 8 of 28).
  • Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 22 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 9 of 28

Net Interest Margin

3.66%

Rank 15 of 28

Efficiency Ratio

58.92%

Rank 10 of 28

Equity / Assets

14.62%

Rank 16 of 28

Non-interest income vs. expense

$1.5M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 68% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 58.92%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.39%0.81%1.45%Beats 68%9 / 28
Return on Equity7.96%2.58%5.09%9.10%Beats 71%8 / 28
Net Interest Margin3.66%3.22%3.68%4.12%Beats 46%15 / 28
Efficiency Ratio58.92%56.77%70.25%85.37%Beats 68%10 / 28
Asset Quality
Nonperforming Loans / Loans1.61%n/a0.26%1.61%Beats 26%21 / 27
Net Charge-Offs / Loans0.02%n/an/a0.02%Beats 22%22 / 27
Capital
Tier 1 Capital Ratio16.35%13.70%16.46%19.75%Beats 43%16 / 28
Total Risk-Based Capital Ratio17.60%14.96%17.60%20.63%Beats 50%14 / 28
Equity / Assets14.62%11.97%15.41%17.42%Beats 43%16 / 28
Liquidity & Funding
Loans / Deposits101.65%84.00%97.95%102.47%71st pctl8 / 28
Loans / Assets85.48%69.18%76.59%81.19%89th pctl3 / 28
Brokered Deposits / Depositsn/aNot reported for this institution