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

Unfavorable gap of $11.7M · efficiency ratio beats 86% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.35%	0.39%	0.81%	1.45%	Beats 71%	8 / 28
Return on Equity	11.94%	2.58%	5.09%	9.10%	Beats 86%	4 / 28
Net Interest Margin	4.12%	3.22%	3.68%	4.12%	Beats 75%	7 / 28
Efficiency Ratio	49.53%	56.77%	70.25%	85.37%	Beats 86%	5 / 28
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.26%	1.61%	Beats 100%	9 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	13.70%	13.70%	16.46%	19.75%	Beats 25%	21 / 28
Total Risk-Based Capital Ratio	14.96%	14.96%	17.60%	20.63%	Beats 25%	21 / 28
Equity / Assets	11.30%	11.97%	15.41%	17.42%	Beats 18%	23 / 28
Liquidity & Funding
Loans / Deposits	99.38%	84.00%	97.95%	102.47%	57th pctl	12 / 28
Loans / Assets	84.00%	69.18%	76.59%	81.19%	86th pctl	4 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution