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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Bank of Hope

Los Angeles, California · $18.99B in assets · beside the 9 other California banks over $10B

The filing

0.74%
ROA
9th of 10
64.2%
Efficiency
9th of 10
94.4%
Loans / deposits
8th of 10

Bank of Hope is the eighth largest of the 10 California banks over $10B, with $18.99B in assets at 30 June 2026. Loans are 94.4% of deposits, 8th of 10 against a median of 84.3%, and equity is 12.4% of assets, 6th of 10. Loans grew +4.1% in the year, 7th of 10, and deposits fell 0.3%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.88% of the book, 8th of 10 against a median of 0.49%; 0.13% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.26% of loans, 9th of 10. Commercial real estate is 38.5% of loans, 5th of 10 against a median of 38.5%, and 271% of capital, below the 300% screen, with construction at 10% against the 100% screen.

Return on assets is 0.74%, 9th of 10 against a median of 0.99%, on an efficiency ratio of 64.2%, 9th of 10. Five years ago it was 1.20%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsCA banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.99% AB Axos Bank 2.14% EW East West Bank 1.75% CB Cathay Bank 1.54% CB Citizens Business Bank N.A. 1.03% MB Mechanics Bank 1.01% FM Farmers & Merchants Bank Long Be 0.97% CN City National Bank 0.96% Bo Bank of America Ca N.A. 0.74% Bo Bank of Hope 0.74% Bo Banc of California -0.88%
Loans, year over yearCA banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% Bo Banc of California +1.7% Bo Bank of America Ca N.A. -12.3%

SBA 7(a), FY2008 to FY2026

Bank of Hope is the 5th largest 7(a) lender into California of 512, with $2.57B across 6,200 loans, 3.9% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 566 of its 765 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$1.51B1st of 3087.4%-0.8 pts
Orange, CA$352M3rd of 2564.8%+2.2 pts
King, WA$232M4th of 1935.0%+2.2 pts
Dallas, TX$222M5th of 3144.0%+0.7 pts
Queens, NY$158M2nd of 1558.3%-1.7 pts
San Bernardino, CA$140M4th of 2133.9%-0.6 pts
Snohomish, WA$117M2nd of 1277.4%-2.1 pts
New York, NY$110M7th of 2083.9%-0.1 pts
Bergen, NJ$109M3rd of 1616.1%+1.2 pts
Riverside, CA$108M6th of 2193.1%-1.0 pts
Tarrant, TX$99M8th of 2812.6%+2.9 pts
Harris, TX$96M23rd of 3141.2%+0.0 pts
Pierce, WA$90M4th of 1375.6%-2.0 pts
752 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services3,519$2.37B38.3%3.08%3rd of 2,596
Retail trade4,028$1.67B27.0%2.74%6th of 2,589
Other services2,049$698M11.3%1.99%6th of 2,248
Wholesale trade1,185$646M10.5%2.52%5th of 1,651
Health care & social assistance527$250M4.0%0.53%37th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Bank of Hope
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bank of HopeRankCohort median
Total CRE against capital, the 300% screen271%6th of 10263%
Construction against capital, the 100% screen10%4th of 1014%
Construction and land development, share of loans1.4%3rd of 102.2%
Non-owner-occupied nonfarm nonresidential, share of loans29.4%8th of 1017.0%
Total CRE, the guidance definition, share of loans38.5%5th of 1038.5%
CRE growth over 36 months, the third prong-7.0%1st of 9+6.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of HopeCohort median
20212026Change20212026Change
Loans$13.48B$15.03B+12%$12.51B$17.82B+42%
Deposits$14.75B$15.92B+8%$16.27B$19.61B+21%
NPA / loans1.03%0.88%-0.15 pts0.45%0.49%+0.05 pts
Efficiency50.8%64.2%+13.4 pts45.9%56.8%+10.9 pts
ROA1.20%0.74%-0.46 pts1.35%0.99%-0.36 pts

This read was prepared for Bank of Hope's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Hope is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks over $10B
Institution www.bankofhope.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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