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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