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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