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

Deposit mix

NIM

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

Earnings: ROA of -0.52%, down 346 bps year over year; NIM at 3.33%.
Asset quality: problem loans at 0.04% of loans (-14 bps YoY), with net charge-offs at 0.00%.

Return on Assets (quarter, annualized)

-0.52%-346 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+58 bps YoY

Efficiency Ratio (quarter, annualized)

115.41%+5,298 bps YoY

Tier 1 Leverage Ratio

11.01%-432 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	2.94%	-0.54%	0.82%	0.02%	-0.52%	-346 bps
Return on Equity	25.10%	-5.61%	7.91%	0.15%	-4.43%	-2,953 bps
Net Interest Margin	2.76%	3.12%	3.88%	3.69%	3.33%	+58 bps
Efficiency Ratio	62.43%	112.75%	92.24%	99.79%	115.41%	+5,298 bps
Non-Interest Burden	-2.07%	3.60%	3.57%	3.74%	3.97%	+603 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 / Loans	0.19%	0.14%	0.08%	0.07%	0.04%	-14 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Allowance / Loans	1.29%	1.32%	1.26%	1.26%	1.23%	-6 bps
Allowance Coverage of NPLs	6.8x	9.5x	15.8x	17.0x	27.5x	+20.7x
Capital
Tier 1 Leverage Ratio	15.34%	9.55%	10.77%	10.84%	11.01%	-432 bps
Total Risk-Based Capital	17.21%	17.17%	19.27%	19.79%	19.38%	+217 bps
Equity / Assets	9.08%	10.29%	10.58%	10.79%	12.72%	+364 bps
Liquidity & Funding
Loans / Deposits	70.24%	80.86%	74.27%	74.22%	89.19%	+1,896 bps
Liquid Assets / Assets	34.90%	26.22%	32.16%	32.18%	19.15%	-1,574 bps
CRE / Total Capital	n/a	660%	589%	569%	n/a	n/a