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Nano Banc

Irvine, CA · Cert 58590 · Nano Financial Holdings Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$736.2MAssets
$478.8MLoans
$685.8MDeposits
$38.8MEquity
Loan mix
91%RE $398.1M9%C&I $40.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $405.1M41%Noninterest $280.8MQ2 2025Q2 2026

NIM

5.93%Q2 ’244.90%Q2 ’254.03%Q2 ’26-19%-48%

Non-interest income vs. expense

4.54%Q2 ’2410.55%Q2 ’25-3.69%Q2 ’26+158%-144%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #50 of 107 inst. · $0.7B of $667.8B

Executive Summary

  • Earnings: ROA of -1.17%, up 511 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 25.73% of loans (+1,554 bps YoY), with net charge-offs at 6.26%.
  • Capital: tier 1 leverage ratio of 5.04%, down 516 bps from a year ago.
  • Funding: loans stand at 69.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.17%+511 bps YoY

Net Interest Margin (quarter, annualized)

1.77%-165 bps YoY

Efficiency Ratio (quarter, annualized)

-151.09%-41,656 bps YoY

Tier 1 Leverage Ratio

5.04%-516 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.28%-14.85%-11.57%0.05%1-1.17%+511 bps
Return on Equity-55.91%-162.53%-189.86%1.03%-20.92%+3,499 bps
Net Interest Margin3.42%3.07%2.21%2.34%1.77%-165 bps
Efficiency Ratio265%190.47%462%111.58%-151.09%-41,656 bps
Non-Interest Burden9.98%6.30%12.64%2.66%-4.35%-1,433 bps
Growth
Asset Growth (YoY)-2.83%-13.83%-8.34%-13.71%-20.93%-1,811 bps
Loan Growth (YoY)-13.18%-6.35%-13.86%-22.24%-21.86%-868 bps
Deposit Growth (YoY)-1.57%-17.84%-11.51%-9.25%-14.76%-1,318 bps
Asset Quality
Nonperforming Loans / Loans10.19%15.39%24.29%20.56%25.73%+1,554 bps
Net Charge-Offs / Loans6.66%4.07%8.37%0.37%6.26%-40 bps
Allowance / Loans3.33%3.31%2.49%2.55%4.16%+83 bps
Allowance Coverage of NPLs0.3x0.2x0.1x0.1x0.2x-0.2x
Capital
Tier 1 Leverage Ratio10.20%7.23%4.77%4.79%5.04%-516 bps
Total Risk-Based Capital16.72%12.46%8.42%9.44%9.11%-760 bps
Equity / Assets10.84%7.39%4.74%4.79%5.27%-556 bps
Liquidity & Funding
Loans / Deposits76.16%76.95%73.90%64.58%69.81%-635 bps
Liquid Assets / Assets23.41%27.33%28.89%37.99%27.20%+379 bps
CRE / Total Capitaln/a458%711%640%n/an/a