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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 $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $203.6M13%Noninterest $31.2MQ2 2025Q2 2026

NIM

6.77%Q2 ’246.29%Q2 ’255.76%Q2 ’26+6%-15%

Non-interest income vs. expense

2.67%Q2 ’242.18%Q2 ’251.71%Q2 ’26-26%-15%

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 0.99%, down 29 bps year over year; NIM at 3.30%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.99%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.30%-60 bps YoY

Efficiency Ratio (quarter, annualized)

51.07%-181 bps YoY

Tier 1 Leverage Ratio

22.76%-525 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.01%0.70%0.92%0.99%-29 bps
Return on Equity4.60%3.60%2.74%3.99%4.38%-22 bps
Net Interest Margin3.90%3.95%3.63%3.22%3.30%-60 bps
Efficiency Ratio52.88%56.62%55.17%54.93%51.07%-181 bps
Non-Interest Burden1.96%2.22%2.00%1.72%1.66%-30 bps
Growth
Asset Growth (YoY)21.75%16.08%34.18%25.84%31.07%+931 bps
Loan Growth (YoY)27.04%11.39%25.49%12.67%26.44%-60 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.23%1.23%1.19%1.18%1.19%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio28.02%28.46%25.96%23.07%22.76%-525 bps
Total Risk-Based Capital28.02%28.46%25.96%23.07%22.76%-525 bps
Equity / Assets28.75%27.23%23.88%22.52%22.87%-587 bps
Liquidity & Funding
Loans / Deposits114.88%107.84%101.14%91.41%101.62%-1,326 bps
Liquid Assets / Assets16.79%20.04%21.39%29.22%21.57%+478 bps
CRE / Total Capitaln/a91.55%103.13%94.00%n/an/a