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

Mizrahi Tefahot Bank LTD

Los Angeles, California · $7.39B in assets · beside the 11 other California banks between $3B and $10B

The filing

0.6%
CRE / loans
1st of 11
+56.9%
Loans, year over year
1st of 11, largest first
0.12%
NPA / loans
2nd of 11

Mizrahi Tefahot Bank LTD is the fifth largest of the 12 California banks nearest its size between $3B and $10B, with $7.39B in assets at 30 June 2026. Loans are 79.0% of deposits, 5th of 12 against a median of 86.9%. Loans grew +56.9% in the year, the fastest in the cohort, and deposits grew 45.7%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.12% of the book, 2nd of 11 against a median of 0.30%; 0.56% is 30 to 89 days past due, and the allowance is no record of loans. Commercial real estate is 0.6% of loans, the lowest in the cohort against a median of 47.4%.

The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 47.4% MT Mizrahi Tefahot Bank LTD 0.6% FB Fremont Bank 24.7% FM Farmers & Merchants Bank Central California 32.2% CB CTBC Bank Corp. USA 38.5% SM SMBC Manubank 42.1% HB Hanmi Bank 47.4% PB Poppy Bank 50.5% WB Westamerica Bank 50.7% PB Preferred Bank 57.4% FS Five Star Bank 69.4% RC River City Bank 87.3%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.1% MT Mizrahi Tefahot Bank LTD +56.9% FS Five Star Bank +20.3% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% 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%

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; owner-occupied excluded; bold marks a screen met
Mizrahi Tefahot Bank LTDRankCohort median
Total CRE against capital, the 300% screenno record217%
Construction against capital, the 100% screenno record16%
Construction and land development, share of loans0.6%4th of 112.2%
Non-owner-occupied nonfarm nonresidential, share of loansno record32.3%
Total CRE, the guidance definition, share of loans0.6%1st of 1147.4%
CRE growth over 36 months, the third prong-45.3%1st of 11+5.3%
Commercial real estate against capital, the 300% screenCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 217% FA First American Trust FSB 0% WB Westamerica Bank 55% SM SMBC Manubank 155% FM Farmers & Merchants Bank Central California 164% CB CTBC Bank Corp. USA 214% FB Fremont Bank 217% HB Hanmi Bank 315% PB Preferred Bank 357% PB Poppy Bank 360% FS Five Star Bank 536% RC River City Bank 649%
CRE growth over 36 months, the guidance's third prongCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +5.3% MT Mizrahi Tefahot Bank LTD -45.3% CB CTBC Bank Corp. USA -7.3% WB Westamerica Bank -3.5% SM SMBC Manubank +0.5% HB Hanmi Bank +4.0% FB Fremont Bank +5.3% FM Farmers & Merchants Bank Central California +13.6% PB Preferred Bank +27.0% FS Five Star Bank +44.8% RC River City Bank +45.5% PB Poppy Bank +73.1%

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
First American Trust FSB$9.23B1.4%32.8%no recordno recordno record0.0%5.6%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
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%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mizrahi Tefahot Bank LTDCohort median
20212026Change20212026Change
Loans$443M$3.81B+760%$2.60B$4.47B+72%
Deposits$758M$4.82B+536%$3.91B$5.34B+37%
NPA / loans0.00%0.12%+0.12 pts0.37%0.30%-0.07 pts
Efficiencyno recordno record47.1%42.5%-4.6 pts
ROAno recordno record1.38%1.32%-0.06 pts

This read was prepared for Mizrahi Tefahot Bank LTD'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 Mizrahi Tefahot Bank LTD 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

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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