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Partners Bank of California

Mission Viejo, CA · Cert 58588

State charter, non-member · FDIC · 2 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

86

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

Partners Bank of California

Mission Viejo, CA · Cert 58588

State charter, non-member · FDIC · 2 branches

Q2 2026

$602.2MAssets
$505.8MLoans
$509.0MDeposits
$68.1MEquity
Loan mix
90%RE $437.0M10%C&I $45.9M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $351.0M31%Noninterest $158.0MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #57 of 107 inst. · $0.5B of $667.8B

0.2% Orange
0.0% Los Angeles

Executive Summary

  • Earnings: ROA of 1.26%, up 51 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.67%, up 235 bps from a year ago.
  • Funding: loans stand at 99.38% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+107 bps YoY

Efficiency Ratio (YTD, annualized)

49.53%-642 bps YoY

Tier 1 Leverage Ratio

11.67%+235 bps YoY

NIM

5.40%Q2 ’245.16%Q2 ’256.06%Q2 ’26-12%+35%

Non-interest income vs. expense

2.45%Q2 ’241.75%Q2 ’252.08%Q2 ’26+2%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.15%0.77%0.76%0.87%0.87%1.19%1.26%+51 bps
Return on Equity11.34%11.12%8.77%8.55%10.15%9.97%12.06%12.26%+371 bps
Net Interest Margin3.41%2.99%2.97%3.05%2.88%2.98%3.52%4.12%+107 bps
Efficiency Ratio55.34%55.35%58.15%55.95%52.89%52.69%49.78%49.53%-642 bps
Non-Interest Burden1.57%1.42%1.70%1.67%1.49%1.54%1.72%2.00%+32 bps
Growth
Asset Growth (YoY)3.31%36.10%36.55%38.51%64.41%7.37%-5.48%-9.98%-4,848 bps
Loan Growth (YoY)2.47%0.38%0.65%6.02%7.58%19.37%22.60%20.73%+1,470 bps
Deposit Growth (YoY)6.67%38.13%44.79%43.14%74.67%10.44%-14.46%-11.91%-5,504 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.03%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.05%2.03%2.10%2.11%2.15%2.10%2.12%2.06%-5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.51%10.17%9.08%9.32%8.45%8.75%9.53%11.67%+235 bps
Total Risk-Based Capital15.52%15.62%16.13%15.69%16.02%15.01%15.41%14.96%-73 bps
Equity / Assets11.68%8.57%8.99%8.95%7.99%9.02%10.82%11.30%+236 bps
Liquidity & Funding
Loans / Deposits97.11%71.09%69.77%72.52%59.81%76.84%100.00%99.38%+2,686 bps
Liquid Assets / Assets14.68%9.37%8.85%8.89%22.42%9.97%20.00%14.44%+555 bps
CRE / Total Capitaln/an/an/an/a537%596%580%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

Partners Bank of California

Mission Viejo, CA · Cert 58588 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 2 branches

Q2 2026

$602.2MAssets
$505.8MLoans
$509.0MDeposits
$68.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: equity / assets trails 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 23 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.35%

Rank 8 of 28

Net Interest Margin

4.12%

Rank 7 of 28

Efficiency Ratio

49.53%

Rank 5 of 28

Equity / Assets

11.30%

Rank 23 of 28

Non-interest income vs. expense

$0.5M$12.2MINCOMEEXPENSE
Unfavorable gap of $11.7M · efficiency ratio beats 86% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 49.53%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.35%0.39%0.81%1.45%Beats 71%8 / 28
Return on Equity11.94%2.58%5.09%9.10%Beats 86%4 / 28
Net Interest Margin4.12%3.22%3.68%4.12%Beats 75%7 / 28
Efficiency Ratio49.53%56.77%70.25%85.37%Beats 86%5 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio13.70%13.70%16.46%19.75%Beats 25%21 / 28
Total Risk-Based Capital Ratio14.96%14.96%17.60%20.63%Beats 25%21 / 28
Equity / Assets11.30%11.97%15.41%17.42%Beats 18%23 / 28
Liquidity & Funding
Loans / Deposits99.38%84.00%97.95%102.47%57th pctl12 / 28
Loans / Assets84.00%69.18%76.59%81.19%86th pctl4 / 28
Brokered Deposits / Depositsn/aNot reported for this institution