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California Bank of Commerce

Lafayette, CA · Cert 58583

FDIC · 1 branch

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, 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 operating in a single state (n=264 to 266). 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

62

Q2 2024Q2 2024peer median (50)

Asset Quality

7

Q2 2024Q2 2024peer median (50)

Profitability

29

Q2 2024Q2 2024peer median (50)

Liquidity

82

Q2 2024Q2 2024peer median

Efficiency

59

Q2 2024Q2 2024peer 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 2026-10-10

California Bank of Commerce

Lafayette, CA · Cert 58583

FDIC · 1 branch

Q2 2024

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$244.7MEquity
Loan mix
34%RE $339.1M62%C&I $616.1M3%Consumer $33.3MQ2 2023Q2 2024
Deposit mix
61%Interest-bearing $994.5M39%Noninterest $645.8MQ2 2023Q2 2024

NIM

3.59%Q2 ’225.29%Q2 ’235.68%Q2 ’24+12%-3%

Non-interest income vs. expense

2.29%Q2 ’222.31%Q2 ’232.62%Q2 ’24+12%+9%

Market Position · San Francisco-Oakland-Fremont, CA · 2024 SOD (annual) · 0.4% share · #17 of 69 inst. · $1.6B of $440.9B

Executive Summary

  • Earnings: ROA of 0.05%, down 112 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.46% of loans (+144 bps YoY), with net charge-offs at 1.83%.
  • Capital: tier 1 leverage ratio of 12.54%, up 112 bps from a year ago.
  • Funding: loans stand at 90.80% of deposits as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

0.05%-112 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-12 bps YoY

Efficiency Ratio (YTD, annualized)

64.10%+759 bps YoY

Tier 1 Leverage Ratio

12.54%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.18%1.08%0.05%-112 bps
Return on Equity10.57%10.39%10.20%8.52%0.39%-1,018 bps
Net Interest Margin3.88%3.87%3.89%3.84%3.76%-12 bps
Efficiency Ratio56.52%56.68%57.22%62.59%64.10%+759 bps
Non-Interest Burden2.09%2.08%2.11%2.26%2.28%+19 bps
Growth
Asset Growth (YoY)5.91%-3.66%-3.30%-6.83%-4.54%-1,045 bps
Loan Growth (YoY)5.48%-0.97%-2.18%-5.99%-6.05%-1,152 bps
Deposit Growth (YoY)11.62%-0.51%-9.64%-4.88%-5.90%-1,752 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.08%0.24%0.10%1.46%+144 bps
Net Charge-Offs / Loans0.03%0.01%0.01%0.09%1.83%+180 bps
Allowance / Loans0.99%1.01%1.03%1.05%1.10%+11 bps
Allowance Coverage of NPLs78.2x12.9x4.2x11.0x0.8x-77.5x
Capital
Tier 1 Leverage Ratio11.42%11.75%12.14%12.72%12.54%+112 bps
Total Risk-Based Capital12.46%12.76%12.96%13.63%13.69%+123 bps
Equity / Assets11.62%12.08%12.42%12.97%12.79%+117 bps
Liquidity & Funding
Loans / Deposits90.94%92.10%95.91%92.69%90.80%-14 bps
Liquid Assets / Assets14.68%14.48%14.41%14.95%16.33%+165 bps
CRE / Total Capitaln/an/an/an/an/an/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 2026-10-10

California Bank of Commerce

Lafayette, CA · Cert 58583 · Peer group: banks $1B-$10B in assets operating in a single state (n=264-266)

FDIC · 1 branch

Q2 2024

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$244.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 32 of 266).
  • Widest gap: return on equity trails 98% of banks $1B-$10B in assets operating in a single state (rank 260 of 265).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.05%

Rank 260 of 266

Net Interest Margin

3.76%

Rank 41 of 264

Efficiency Ratio

64.10%

Rank 110 of 266

Equity / Assets

12.79%

Rank 32 of 266

Non-interest income vs. expense

$6.4M$49.8MINCOMEEXPENSE
Unfavorable gap of $43.4M · efficiency ratio beats 59% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.05%0.55%0.83%1.22%Beats 2%260 / 266
Return on Equity0.39%5.94%9.07%12.35%Beats 2%260 / 265
Net Interest Margin3.76%2.48%2.86%3.39%Beats 84%41 / 264
Efficiency Ratio64.10%57.64%67.46%78.36%Beats 59%110 / 266
Asset Quality
Nonperforming Loans / Loans1.46%0.13%0.33%0.72%Beats 10%241 / 266
Net Charge-Offs / Loans0.91%0.00%0.02%0.06%Beats 3%260 / 266
Capital
Tier 1 Capital Ratio12.72%11.36%12.84%14.84%Beats 47%142 / 266
Total Risk-Based Capital Ratio13.69%12.04%13.69%15.92%Beats 50%133 / 266
Equity / Assets12.79%8.12%9.35%11.13%Beats 88%32 / 266
Liquidity & Funding
Loans / Deposits90.80%73.93%87.16%96.80%59th pctl109 / 266
Loans / Assets77.85%62.79%71.72%79.24%71st pctl77 / 266
Brokered Deposits / Depositsn/aNot reported for this institution