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Infinity Bank

Santa Ana, CA · Cert 59098 · Infinity Bcorp

State charter, non-member · FDIC · 1 branch

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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

71

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

Infinity Bank

Santa Ana, CA · Cert 59098 · Infinity Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$359.5MAssets
$255.1MLoans
$310.5MDeposits
$43.0MEquity
Loan mix
55%RE $123.2M36%C&I $81.4M9%Consumer $19.1MQ2 2025Q2 2026
Deposit mix
43%Interest-bearing $133.5M57%Noninterest $177.0MQ2 2025Q2 2026

NIM

7.35%Q2 ’247.08%Q2 ’256.78%Q2 ’26+5%0%

Non-interest income vs. expense

3.16%Q2 ’243.32%Q2 ’253.33%Q2 ’26+4%0%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #73 of 107 inst. · $0.3B of $667.8B

Executive Summary

  • Earnings: ROA of 1.48%, down 11 bps year over year; NIM at 5.66%.
  • Asset quality: problem loans at 0.95% of loans (+71 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 13.03%, up 34 bps from a year ago.
  • Funding: loans stand at 82.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%-11 bps YoY

Net Interest Margin (YTD, annualized)

5.66%0 bps YoY

Efficiency Ratio (YTD, annualized)

57.07%-2 bps YoY

Tier 1 Leverage Ratio

13.03%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.63%1.60%1.40%1.48%-11 bps
Return on Equity14.22%14.63%14.21%12.34%12.79%-143 bps
Net Interest Margin5.66%5.44%5.28%5.47%5.66%0 bps
Efficiency Ratio57.09%57.27%57.45%57.07%57.07%-2 bps
Non-Interest Burden3.17%3.05%2.97%3.06%3.15%-2 bps
Growth
Asset Growth (YoY)9.32%13.04%7.01%16.01%6.66%-266 bps
Loan Growth (YoY)7.56%-2.34%1.54%-0.29%15.27%+770 bps
Deposit Growth (YoY)13.16%17.32%6.14%18.90%6.46%-670 bps
Asset Quality
Nonperforming Loans / Loans0.24%1.46%1.65%1.09%0.95%+71 bps
Net Charge-Offs / Loans0.22%0.15%0.24%0.36%0.16%-6 bps
Allowance / Loans1.63%1.68%1.58%1.63%1.51%-12 bps
Allowance Coverage of NPLs6.8x1.2x1.0x1.5x1.6x-5.2x
Capital
Tier 1 Leverage Ratio12.69%12.21%12.20%12.67%13.03%+34 bps
Total Risk-Based Capital19.53%19.29%18.92%19.42%17.94%-159 bps
Equity / Assets11.64%10.89%11.83%10.96%11.97%+33 bps
Liquidity & Funding
Loans / Deposits75.90%65.77%75.94%65.10%82.18%+628 bps
Liquid Assets / Assets22.99%32.67%26.18%34.60%19.92%-308 bps
CRE / Total Capitaln/a172.46%173.67%169.06%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

Infinity Bank

Santa Ana, CA · Cert 59098 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Infinity Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$359.5MAssets
$255.1MLoans
$310.5MDeposits
$43.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 89% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 28).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 23 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.52%

Rank 5 of 28

Net Interest Margin

5.66%

Rank 3 of 28

Efficiency Ratio

57.07%

Rank 9 of 28

Equity / Assets

11.97%

Rank 21 of 28

Non-interest income vs. expense

$0.6M$11.4MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 71% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 57.07%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.39%0.81%1.45%Beats 82%5 / 28
Return on Equity12.70%2.58%5.09%9.10%Beats 89%3 / 28
Net Interest Margin5.66%3.22%3.68%4.12%Beats 89%3 / 28
Efficiency Ratio57.07%56.77%70.25%85.37%Beats 71%9 / 28
Asset Quality
Nonperforming Loans / Loans0.95%n/a0.26%1.61%Beats 33%19 / 27
Net Charge-Offs / Loans0.10%n/an/a0.02%Beats 19%23 / 27
Capital
Tier 1 Capital Ratio15.31%13.70%16.46%19.75%Beats 29%20 / 28
Total Risk-Based Capital Ratio17.94%14.96%17.60%20.63%Beats 57%12 / 28
Equity / Assets11.97%11.97%15.41%17.42%Beats 25%21 / 28
Liquidity & Funding
Loans / Deposits82.18%84.00%97.95%102.47%21st pctl22 / 28
Loans / Assets70.97%69.18%76.59%81.19%32nd pctl19 / 28
Brokered Deposits / Depositsn/aNot reported for this institution