Nano Banc

Irvine, CA · Cert 58590 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Nano Financial Holdings Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$736.2MAssets

$478.8MLoans

$685.8MDeposits

$38.8MEquity

Executive Summary

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

Return on Assets

-0.60%

Rank 27 of 28

Net Interest Margin

2.19%

Rank 28 of 28

Efficiency Ratio

-5.47%

Rank 1 of 28

Equity / Assets

5.27%

Rank 28 of 28

Non-interest income vs. expense

Favorable gap of $5.5M · efficiency ratio beats 100% 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	-0.60%	0.39%	0.81%	1.45%	Beats 4%	27 / 28
Return on Equity	-11.43%	2.58%	5.09%	9.10%	Beats 0%	28 / 28
Net Interest Margin	2.19%	3.22%	3.68%	4.12%	Beats 0%	28 / 28
Efficiency Ratio	-5.47%	56.77%	70.25%	85.37%	Beats 100%	1 / 28
Asset Quality
Nonperforming Loans / Loans	25.73%	n/a	0.26%	1.61%	Beats 4%	27 / 27
Net Charge-Offs / Loans	1.66%	n/a	n/a	0.02%	Beats 4%	27 / 27
Capital
Tier 1 Capital Ratio	7.83%	13.70%	16.46%	19.75%	Beats 0%	28 / 28
Total Risk-Based Capital Ratio	9.11%	14.96%	17.60%	20.63%	Beats 0%	28 / 28
Equity / Assets	5.27%	11.97%	15.41%	17.42%	Beats 0%	28 / 28
Liquidity & Funding
Loans / Deposits	69.81%	84.00%	97.95%	102.47%	7th pctl	26 / 28
Loans / Assets	65.04%	69.18%	76.59%	81.19%	14th pctl	24 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution