Bank Irvine

Irvine, CaliforniaFDIC Cert #59296

STATEEstablished 20221 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$9.56M
Investor CRE	$53.4M
Multifamily	$1.98M
Construction	$0
1–4 family	$140M
C&I	$11.6M
Agriculture	$0
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$216M

+12.7%y/y

Percentile by value69th percentileby value

FDICLNLSGR

Net loans

$213M

+12.7%y/y

Percentile by value69th percentileby value

FDICLNLSNET

Loans YoY

+12.70%

−70.3%y/y

Percentile by value8th percentileby value

FDICLNLSNET

L/D

90.3%

−16.0%y/y

Percentile by value54th percentileby value

FDICLNLSNET + DEP

Loans/assets

69.6%

−10.4%y/y

Percentile by value31st percentileby value

FDICLNLSNET + ASSET

RE loans %

105.88%

+1.6%y/y

Percentile by value100th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

4,968points

+3.2%y/y

Peer standing0th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

4.43%

−13.1%y/y

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

24.73%

+4.8%y/y

Percentile by value58th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.38%

−19.9%y/y

Percentile by value8th percentileby value

FDICLNCI + LNLSGR