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Bank Irvine

Irvine, CA · Cert 59296

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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

82

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

Bank Irvine

Irvine, CA · Cert 59296

State charter, non-member · FDIC · 1 branch

Q2 2026

$305.6MAssets
$238.6MLoans
$234.7MDeposits
$69.9MEquity
Loan mix
95%RE $204.4M5%C&I $11.6M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $203.6M13%Noninterest $31.2MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #83 of 107 inst. · $0.2B of $667.8B

Executive Summary

  • Earnings: ROA of 0.97%, up 5 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.76%, down 525 bps from a year ago.
  • Funding: loans stand at 101.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-47 bps YoY

Efficiency Ratio (YTD, annualized)

52.97%-676 bps YoY

Tier 1 Leverage Ratio

22.76%-525 bps YoY

NIM

6.68%Q2 ’246.15%Q2 ’255.66%Q2 ’26+0%-13%

Non-interest income vs. expense

2.59%Q2 ’242.27%Q2 ’251.74%Q2 ’26-16%-23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.29%0.51%0.92%0.94%0.87%0.92%0.97%+5 bps
Return on Equity1.48%1.96%2.42%3.89%3.85%3.56%3.99%4.18%+29 bps
Net Interest Margin3.32%3.04%3.55%3.69%3.79%3.48%3.22%3.22%-47 bps
Efficiency Ratio72.72%74.75%67.82%59.72%58.66%57.76%54.93%52.97%-676 bps
Non-Interest Burden2.41%2.27%2.41%2.16%2.19%1.98%1.72%1.67%-49 bps
Growth
Asset Growth (YoY)28.47%6.86%43.86%21.75%16.08%34.18%25.84%31.07%+931 bps
Loan Growth (YoY)97.43%34.62%42.84%27.04%11.39%25.49%12.67%26.44%-60 bps
Deposit Growth (YoY)34.52%7.87%27.03%1.98%-2.70%18.79%34.15%42.94%+4,096 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.17%1.21%1.23%1.23%1.19%1.18%1.19%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.00%13.81%28.24%28.02%28.46%25.96%23.07%22.76%-525 bps
Total Risk-Based Capital15.00%13.81%28.24%28.02%28.46%25.96%23.07%22.76%-525 bps
Equity / Assets13.62%13.85%27.17%28.75%27.23%23.88%22.52%22.87%-587 bps
Liquidity & Funding
Loans / Deposits94.20%95.74%108.85%114.88%107.84%101.14%91.41%101.62%-1,326 bps
Liquid Assets / Assets17.23%15.91%19.65%16.79%20.04%21.39%29.22%21.57%+478 bps
CRE / Total Capitaln/an/an/an/a91.55%103.13%94.00%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

Bank Irvine

Irvine, CA · Cert 59296 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 1 branch

Q2 2026

$305.6MAssets
$238.6MLoans
$234.7MDeposits
$69.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 21 of 28).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.95%

Rank 12 of 28

Net Interest Margin

3.22%

Rank 21 of 28

Efficiency Ratio

52.97%

Rank 6 of 28

Equity / Assets

22.87%

Rank 5 of 28

Non-interest income vs. expense

$0.2M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 52.97%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.39%0.81%1.45%Beats 57%12 / 28
Return on Equity4.13%2.58%5.09%9.10%Beats 39%17 / 28
Net Interest Margin3.22%3.22%3.68%4.12%Beats 25%21 / 28
Efficiency Ratio52.97%56.77%70.25%85.37%Beats 82%6 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio22.76%13.70%16.46%19.75%Beats 82%5 / 28
Total Risk-Based Capital Ratio22.76%14.96%17.60%20.63%Beats 82%5 / 28
Equity / Assets22.87%11.97%15.41%17.42%Beats 82%5 / 28
Liquidity & Funding
Loans / Deposits101.62%84.00%97.95%102.47%68th pctl9 / 28
Loans / Assets78.05%69.18%76.59%81.19%61st pctl11 / 28
Brokered Deposits / Depositsn/aNot reported for this institution