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

Open Bank

Los Angeles, California · $2.75B in assets · beside the 11 other California banks between $1B and $3B

The filing

96.2%
Loans / deposits
12th of 12
0.6x
Coverage of noncurrent
12th of 12
2.09%
NPA / loans
11th of 12

Open Bank is the second largest of the 12 California banks nearest its size between $1B and $3B, with $2.75B in assets at 30 June 2026. Loans are 96.2% of deposits, the highest in the cohort against a median of 89.7%, and equity is 9.6% of assets, 10th of 12. Loans grew +9.0% in the year, 5th of 12, and deposits grew 5.0%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 2.09% of the book, 11th of 12 against a median of 0.58%; 0.46% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 33.8% of loans, 2nd of 12 against a median of 41.4%, and 255% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.20%, 6th of 12 against a median of 1.15%, on an efficiency ratio of 55.8%, 6th of 12. Five years ago it was 1.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 89.7% ED El Dorado Savings Bank FSB 23.6% OV Oak Valley Community Bank 66.0% PB Plumas Bank 80.1% MB Montecito Bank & Trust 80.2% MB Mission Bank 86.6% CB Calprivate Bank 89.4% WC West Coast Community Bank 90.0% BS Beneficial State Bank 90.9% CB Commonwealth Business Bank 91.6% UB United Business Bank 95.5% A Avidbank 95.7% OB Open Bank 96.2%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Open Bank is the 8th largest 7(a) lender into California of 512, with $1.65B across 1,421 loans, 2.5% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 159 of its 311 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$808M5th of 3083.9%-0.8 pts
Orange, CA$165M11th of 2562.2%-2.1 pts
San Bernardino, CA$112M7th of 2133.1%+0.1 pts
Riverside, CA$73M13th of 2192.1%-2.5 pts
Dallas, TX$53M30th of 3141.0%+0.4 pts
Sacramento, CA$50M11th of 1702.2%-1.0 pts
Santa Clara, CA$43M15th of 1871.6%+1.4 pts
Kern, CA$42M5th of 1294.5%+4.5 pts
King, WA$41M28th of 1930.9%+0.1 pts
Pierce, WA$39M12th of 1372.4%+0.6 pts
San Diego, CA$38M33rd of 2380.7%-0.7 pts
Alameda, CA$37M15th of 1791.6%+2.0 pts
Grays Harbor, WA$31M1st of 5016.4%+1.6 pts
298 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 services739$1.08B39.2%1.41%8th of 2,596
Retail trade798$946M34.3%1.55%13th of 2,589
Other services218$255M9.3%0.73%30th of 2,248
Wholesale trade100$166M6.0%0.65%34th of 1,651
Health care & social assistance98$116M4.2%0.24%62nd of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Open Bank
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; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Open BankRankCohort median
Total CRE against capital, the 300% screen255%5th of 12261%
Construction against capital, the 100% screen0%1st of 1214%
Construction and land development, share of loans0.0%1st of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans28.6%7th of 1228.5%
Total CRE, the guidance definition, share of loans33.8%2nd of 1241.4%
CRE growth over 36 months, the third prong+37.3%9th of 12+29.7%

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
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Open BankCohort median
20212026Change20212026Change
Loans$1.31B$2.28B+74%$1.10B$1.54B+40%
Deposits$1.44B$2.37B+65%$1.43B$1.99B+39%
NPA / loans0.06%2.09%+2.04 pts0.22%0.58%+0.35 pts
Efficiency50.5%55.8%+5.3 pts55.2%56.2%+1.0 pts
ROA1.54%1.20%-0.34 pts1.11%1.15%+0.05 pts

This read was prepared for Open Bank'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 Open Bank 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 $1B to $3B
Institution www.myopenbank.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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