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Genesis Bank

Newport Beach, CA · Cert 59245

State charter, non-member · FDIC · 3 branches

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

7

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

Genesis Bank

Newport Beach, CA · Cert 59245

State charter, non-member · FDIC · 3 branches

Q2 2026

$340.3MAssets
$260.8MLoans
$292.4MDeposits
$43.3MEquity
Loan mix
95%RE $252.4M5%C&I $12.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $178.4M39%Noninterest $114.0MQ2 2025Q2 2026

NIM

4.00%Q2 ’243.72%Q2 ’254.84%Q2 ’26-9%+49%

Non-interest income vs. expense

6.00%Q2 ’246.54%Q2 ’254.20%Q2 ’26-76%+186%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #76 of 107 inst. · $0.3B of $667.8B

0.1% Orange
0.0% Los Angeles
0.0% Riverside

Executive Summary

  • Earnings: ROA of -0.24%, down 74 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.04% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.01%, down 432 bps from a year ago.
  • Funding: loans stand at 89.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+117 bps YoY

Efficiency Ratio (YTD, annualized)

107.35%+2,087 bps YoY

Tier 1 Leverage Ratio

11.01%-432 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.06%0.29%0.02%-0.24%-74 bps
Return on Equity3.56%0.46%2.35%0.15%-2.13%-569 bps
Net Interest Margin2.38%2.04%2.66%3.69%3.56%+117 bps
Efficiency Ratio86.48%93.29%93.03%99.79%107.35%+2,087 bps
Non-Interest Burden1.37%1.78%2.36%3.74%3.90%+253 bps
Growth
Asset Growth (YoY)152.31%112.24%124.59%67.86%-29.29%-18,160 bps
Loan Growth (YoY)112.75%110.18%96.31%91.74%-13.56%-12,631 bps
Deposit Growth (YoY)221%160.38%178.91%87.46%-31.94%-25,316 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.14%0.08%0.07%0.04%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.29%1.32%1.26%1.26%1.23%-6 bps
Allowance Coverage of NPLs6.8x9.5x15.8x17.0x27.5x+20.7x
Capital
Tier 1 Leverage Ratio15.34%9.55%10.77%10.84%11.01%-432 bps
Total Risk-Based Capital17.21%17.17%19.27%19.79%19.38%+217 bps
Equity / Assets9.08%10.29%10.58%10.79%12.72%+364 bps
Liquidity & Funding
Loans / Deposits70.24%80.86%74.27%74.22%89.19%+1,896 bps
Liquid Assets / Assets34.90%26.22%32.16%32.18%19.15%-1,574 bps
CRE / Total Capitaln/a660%589%569%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

Genesis Bank

Newport Beach, CA · Cert 59245 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 3 branches

Q2 2026

$340.3MAssets
$260.8MLoans
$292.4MDeposits
$43.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 27 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.27%

Rank 25 of 28

Net Interest Margin

3.56%

Rank 16 of 28

Efficiency Ratio

109.30%

Rank 27 of 28

Equity / Assets

12.72%

Rank 20 of 28

Non-interest income vs. expense

$1.2M$15.9MINCOMEEXPENSE
Unfavorable gap of $14.8M · efficiency ratio beats 7% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 109.30%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.27%0.39%0.81%1.45%Beats 11%25 / 28
Return on Equity-2.15%2.58%5.09%9.10%Beats 11%25 / 28
Net Interest Margin3.56%3.22%3.68%4.12%Beats 43%16 / 28
Efficiency Ratio109.30%56.77%70.25%85.37%Beats 7%27 / 28
Asset Quality
Nonperforming Loans / Loans0.04%n/a0.26%1.61%Beats 59%12 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio18.12%13.70%16.46%19.75%Beats 64%10 / 28
Total Risk-Based Capital Ratio19.38%14.96%17.60%20.63%Beats 68%9 / 28
Equity / Assets12.72%11.97%15.41%17.42%Beats 29%20 / 28
Liquidity & Funding
Loans / Deposits89.19%84.00%97.95%102.47%32nd pctl19 / 28
Loans / Assets76.65%69.18%76.59%81.19%54th pctl13 / 28
Brokered Deposits / Depositsn/aNot reported for this institution