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Icon Business Bank

Riverside, CA · Cert 59314 · Icon Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

5

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

Icon Business Bank

Riverside, CA · Cert 59314 · Icon Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$155.5MAssets
$122.7MLoans
$129.2MDeposits
$18.6MEquity
Loan mix
39%RE $49.7M45%C&I $57.3M16%Consumer $19.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $97.4M25%Noninterest $31.8MQ2 2025Q2 2026

NIM

5.59%Q2 ’246.11%Q2 ’256.49%Q2 ’26-15%+28%

Non-interest income vs. expense

13.15%Q2 ’246.65%Q2 ’255.40%Q2 ’26-50%-24%

Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.1% share · #30 of 36 inst. · $0.1B of $79.7B

0.2% Riverside
0.0% Orange

Executive Summary

  • Earnings: ROA of -0.88%, up 359 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.22% of loans (+20 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.94%, up 135 bps from a year ago.
  • Funding: loans stand at 95.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.88%+359 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+90 bps YoY

Efficiency Ratio (YTD, annualized)

118.37%-8,150 bps YoY

Tier 1 Leverage Ratio

11.94%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.47%-3.90%-3.12%-0.88%-0.88%+359 bps
Return on Equity-37.48%-36.46%-30.51%-9.37%-8.55%+2,894 bps
Net Interest Margin3.21%3.17%3.32%4.28%4.11%+90 bps
Efficiency Ratio199.86%182.49%154.39%119.69%118.37%-8,150 bps
Non-Interest Burden6.53%5.88%5.34%5.17%4.95%-159 bps
Growth
Asset Growth (YoY)170.02%105.85%51.78%29.33%-0.31%-17,033 bps
Loan Growth (YoY)214%130.10%76.37%67.01%13.81%-19,989 bps
Deposit Growth (YoY)291%152.07%62.37%22.61%-6.42%-29,767 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.12%0.27%0.22%+20 bps
Net Charge-Offs / Loans0.28%0.38%0.40%-0.15%0.07%-21 bps
Allowance / Loans1.17%1.26%1.25%1.20%1.18%+1 bps
Allowance Coverage of NPLs52.6x28.8x10.8x4.5x5.4x-47.2x
Capital
Tier 1 Leverage Ratio10.60%8.65%8.10%10.73%11.94%+135 bps
Total Risk-Based Capital10.60%8.65%8.10%10.73%11.94%+135 bps
Equity / Assets8.87%7.84%8.52%10.22%11.94%+307 bps
Liquidity & Funding
Loans / Deposits78.12%76.75%94.29%101.69%95.01%+1,689 bps
Liquid Assets / Assets19.14%22.21%10.58%10.16%11.54%-760 bps
CRE / Total Capitaln/a331%362%300%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

Icon Business Bank

Riverside, CA · Cert 59314 · Peer group: banks under $1B in assets (n=581-629) · Icon Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$155.5MAssets
$122.7MLoans
$129.2MDeposits
$18.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets (rank 141 of 629).
  • Widest gap: return on equity trails 96% of banks under $1B in assets (rank 601 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.86%

Rank 597 of 629

Net Interest Margin

4.11%

Rank 141 of 629

Efficiency Ratio

118.37%

Rank 598 of 629

Equity / Assets

11.94%

Rank 230 of 629

Non-interest income vs. expense

$0.7M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.7M · efficiency ratio beats 5% of banks under $1B in assets
Bank 118.37%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.86%0.60%1.01%1.45%Beats 5%597 / 629
Return on Equity-7.23%5.38%9.30%13.28%Beats 4%601 / 629
Net Interest Margin4.11%3.03%3.54%4.05%Beats 78%141 / 629
Efficiency Ratio118.37%58.35%67.79%79.08%Beats 5%598 / 629
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.46%1.20%Beats 64%209 / 581
Net Charge-Offs / Loans0.18%n/a0.01%0.06%Beats 10%526 / 581
Capital
Tier 1 Capital Ratio11.94%11.24%13.84%18.77%Beats 33%423 / 629
Total Risk-Based Capital Ratio11.94%11.58%14.43%19.66%Beats 28%452 / 629
Equity / Assets11.94%9.09%10.65%13.80%Beats 63%230 / 629
Liquidity & Funding
Loans / Deposits95.01%67.24%80.90%93.48%78th pctl129 / 594
Loans / Assets78.93%53.31%67.71%78.15%78th pctl140 / 629
Brokered Deposits / Depositsn/aNot reported for this institution