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

CTBC Bank Corp. USA

Los Angeles, California · $5.87B in assets · beside the 11 other California banks between $3B and $10B

The filing

1.55%
NPA / loans
12th of 12
0.7x
Coverage of noncurrent
9th of 10
0.90%
ROA
9th of 11

CTBC Bank Corp. USA is the fifth largest of the 12 California banks nearest its size between $3B and $10B, with $5.87B in assets at 30 June 2026. Loans are 88.0% of deposits, 9th of 12 against a median of 82.5%, and equity is 13.4% of assets, 3rd of 11. Loans grew +2.2% in the year, 9th of 12, and deposits grew 10.6%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 1.55% of the book, the highest in the cohort against a median of 0.30%; 0.32% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 38.5% of loans, 6th of 12 against a median of 38.6%, and 214% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 0.90%, 9th of 11 against a median of 1.22%, on an efficiency ratio of 59.2%, 9th of 11. Five years ago it was 1.19%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.30% RC River City Bank 0.00% Bo Bank of Stockton 0.08% MT Mizrahi Tefahot Bank LTD 0.12% WB Westamerica Bank 0.12% FM Farmers & Merchants Bank Central California 0.13% FS Five Star Bank 0.30% SM SMBC Manubank 0.30% FB Fremont Bank 0.39% AB American Business Bank 0.44% CW Community West Bank 0.56% RB Royal Business Bank 0.72% CB CTBC Bank Corp. USA 1.55%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.6% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

CTBC Bank Corp. USA is the 75th largest 7(a) lender into California of 512, with $148M across 126 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 14 of its 23 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$93M48th of 3080.5%-0.6 pts
San Bernardino, CA$12M61st of 2130.3%-0.6 pts
Middlesex, NJ$10M41st of 1500.8%quiet FY2021
Santa Clara, CA$9M55th of 1870.3%-0.2 pts
Orange, CA$9M94th of 2560.1%quiet FY2021
Alameda, CA$7M59th of 1790.3%quiet FY2021
San Francisco, CA$7M48th of 1400.5%-0.7 pts
San Mateo, CA$5M42nd of 1290.5%-1.0 pts
Riverside, CA$4M89th of 2190.1%thin
Nassau, NY$4M76th of 1710.2%quiet FY2021
Queens, NY$4M71st of 1550.2%quiet FY2022
Franklin, WA$3M6th of 473.9%quiet FY2015
Clark, NV$3M100th of 2290.1%+0.3 pts
10 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
Wholesale trade50$77M43.4%0.30%63rd of 1,651
Accommodation & food services14$19M10.7%0.02%392nd of 2,596
Retail trade19$19M10.4%0.03%327th of 2,589
Transportation & warehousing11$15M8.4%0.11%151st of 1,563
Other services13$11M6.4%0.03%332nd of 2,248
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and CTBC Bank Corp. USA
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 CB CTBC Bank Corp. (usa) 0.2% $148M · 126 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer, CTBC Bank Corp. USA among them; owner-occupied excluded; bold marks a screen met
CTBC Bank Corp. USARankCohort median
Total CRE against capital, the 300% screen214%6th of 11214%
Construction against capital, the 100% screen0%2nd of 1119%
Construction and land development, share of loans0.0%2nd of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans29.3%7th of 1125.7%
Total CRE, the guidance definition, share of loans38.5%6th of 1238.6%
CRE growth over 36 months, the third prong-7.3%2nd of 12+12.7%

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
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
CTBC Bank Corp. USACohort median
20212026Change20212026Change
Loans$3.20B$4.42B+38%$2.10B$3.62B+73%
Deposits$3.41B$5.02B+47%$3.28B$4.82B+47%
NPA / loans0.37%1.55%+1.18 pts0.16%0.30%+0.14 pts
Efficiency53.6%59.2%+5.6 pts53.6%47.0%-6.6 pts
ROA1.19%0.90%-0.29 pts1.39%1.22%-0.16 pts

This read was prepared for CTBC Bank Corp. USA'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 CTBC Bank Corp. USA 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 $3B to $10B
Institution www.ctbcbankusa.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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