Private Bancorp of America, Inc. · NASDAQ:PBAM
Private Bancorp of America — Q3 2026 Earnings Presentation
33 slides from Private Bancorp of America's earnings presentation, Oct 16, 2026
Slide 1: Q3 2026 Investor Update
October 16, 2026 (NASDAQ: PBAM) Q3 2026 Investor Update Holding Company for Exhibit 99.2
Slide 2: Disclosures: Forward Looking Statements
Disclosures FORWARD LOOKING STATEMENTS This investor presentation contains expressions of expectations, both implied and explicit, that are “forward-looking statements” within the meaning of such term in the Private Securities Litigation Reform Act of 1995. Such statements involve inherent risks and
Slide 3: Corporate Overview
Corporate Overview Top 5% banks in the U.S. with assets $2B to $10B Ranked Bauer 5-Star Rating #39 2025 OTCQX Best 50 Ranked #1 Community Bank SBA 504 Lender in the U.S. Ranked #10 Best Bank in the U.S. by Bank Director's Ranking Banking® ▌ Recent Accolades ▌Coastal Southern California Footprint Fou
Slide 4: Focus on Consistent Long-Term Shareholder Value Creation
Focus on Consistent Long-Term Shareholder Value Creation 35.1% Adjusted EPS 6 Yr CAGR 18.0% 6 Yr CAGR $ Annual EPS* $ Tangible Book Value per Share* $ Total Assets (in Billions) $ Total Net Loans (in Billions) $ Total Deposits (in Billions) 17.4% 6 Yr CAGR 15.7% 6 Yr CAGR 15.5% 6 Yr CAGR $ Pre-Provi
Slide 5: Focus on Shareholder Return
Source: S&P Global Market Intelligence Note: Total annual returns as of 9/30/2026. PBAM total year-to-date return as of 9/30/2026 1 Peer Group Includes: AMBZ, AVBH, BCAL, BCML, BMRC, BPRN, BWFG, EFSI, ESQ, FFBB, FNRN, FRBA, FSBC, FVCB, JMSB, MNSB, MRBK, OBT, OPBK, PCB, PLBC, RBB, UNTY, USCB, WCCB 3
Slide 6: KPI Peer Comparison
KPI Peer Comparison 1 Peer Group Includes: AMBZ, AVBH, BCAL, BCML, BMRC, BPRN, BWFG, EFSI, ESQ, FFBB, FNRN, FRBA, FSBC, FVCB, JMSB, MNSB, MRBK, OBT, OPBK, PCB, PLBC, RBB, UNTY, USCB, WCCB (Source: S&P Global) Return on Average Assets %* Return on Average Tangible Common Equity %* Net Interest Margin
Slide 7: Third quarter 2026 highlights
Loans Held For Investment (HFI) increased $54.0 million, or 2.5%, from 2Q26 Average HFI Loan Yields of 7.21% Core deposits increased $31.8 million, or 1.4%, from 2Q26 and increased $171.5 million, or 7.8%, since 3Q25 Non-interest-bearing deposits represent 27.8% of total deposits (28.3% of core depo
Slide 8: Credit Quality & Portfolio Management
Credit Quality & Portfolio Management Loan pricing focused on capturing preferred client and credit profile Risk-based approach to loan reviews and Portfolio Management Early and active client engagement to minimize potential of future problem credits Continued resolution and cleanup of existing Cri
Slide 9: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin Managing NIM in a Volatile Environment Proven Relationship Banking model allows for keen understanding of Clients and providing them with value ▌ NIM Protection Strategy Other NIM Performance Contributors Strong Yields on Cash and Due From Banks Alternative
Slide 10: 3Q26 Deposit Mix
3Q26 Deposit Mix Strong Deposit Franchise ▌ Relationship banking approach produces core deposit growth, lower cost of funds and reduced dependency on brokered deposits – all of which drive higher franchise value Growing Customer Deposits Deposit Cost Trends Total deposits increased $31.8 million dur
Slide 11: Strong Liquidity & Funding Position
▌ Focus on maintaining strong liquidity position and continued improvement in the deposit mix Strong Liquidity & Funding Position Cash & Securities Total Available Liquidity Wholesale Funding Dollars in Millions 3Q26 liquid assets decreased by $18 million from 2Q26 $2.4 billion total available liqui
Slide 12: Loan Originations by Quarter
Loan Originations by Quarter 1Q26 2Q26 3Q26 CRE 6.28% 6.63% 6.85% C&I 7.30% 6.83% 7.10% SBA 504 8.44% 8.19% 8.78% SBA 7A 9.18% 9.36% 8.87% Key Origination Rates Current lending strategy targets the use of Prepayment Penalties, Floors and other yield protection structures with an overall emphasis on
Slide 13: Loan Portfolio Rollforward
Loan Portfolio Rollforward Loan Rollforward Loans HFI balances in roll forward represent outstanding balances and are before allowance for credit losses Loans HFI increased $54 million, or 2.5%, during 3Q26 due to strong loan originations and reduced prepayments/maturities In addition to new origina
Slide 14: Loans Held for Investment Portfolio
Loans Held for Investment Portfolio ▌ Managing the Loan Portfolio through prudent risk selection and disciplined pricing; with a focus on maintaining and growing client relationships and achieving appropriate risk adjusted yields HFI Loan Balances & Yields 3Q26 Loan Mix Dollars in Millions Investor
Slide 15: Real Estate Secured Loan Portfolio Breakdown
Real Estate Secured Loan Portfolio Breakdown Loan Type WAVG LTV WAVG Orig GDSCR* % Owner Occupied Office 51.5% 2.68 55% Hotel & Motel 53.1% 3.80 N/A Retail 55.9% 2.14 52% Multifamily 57.9% 3.50 N/A SFR Secured 51.9% 4.52 36% Total 52.1% 3.36 42% 3Q26 Mix of Loans Secured by Real Estate Secured by Re
Slide 16: Revolving Lines of Credit
Operating accounts and associated lines are a focus to drive core deposits and cash management fees We target 55%-60% utilization and will use the renewal process to ensure prudent credit exposure and additional income on unused lines ▌ Overview Total Revolving Lines of Credit $ in millions Line Uti
Slide 17: SBA Lending Overview
▌ SBA Lending is an essential part of the CalPrivate Bank business model, offering lower leverage, higher yielding 504 and 7(a) guaranteed lending products to small businesses in our local communities SBA Lending Overview SBA Originations SBA Balances Award winning SBA team serving our communities S
Slide 18: SBA Loan Sale Strategies
▌ Optimizing SBA loan sales versus HFI based on secondary market conditions and loan yields. SBA Loan Sale Strategies SBA 7(a) Loan Sales SBA 7(a) Income & Premium Typically, the guaranteed portion of 7(a) loans is 75% and at times can extend up to 90% of the loan for clients that export. The guaran
Slide 19: Interest Rate Risk Management
Interest Rate Risk Management Loans Repricing & Maturities Interest Rate Sensitivity Investments AFS Portfolio 65% adjustable loans at 9/30/26; 41% are hybrid & 24% variable 47% of loans reprice or mature < 1 year. 3% of loans reprice or mature >5 years NII is relatively neutral to market rate chang
Slide 20: Credit Risk Management: Classified Loans
▌ Credit risk and loan portfolio management continues to proactively identify and address potential problem assets Credit Risk Management Classified Loans Special Mention & Classified as % of Gross Loans Total criticized loans increased by $13.9 million during 3Q26 due primarily to bankruptcy for tw
Slide 21: Non-Performing Assets (NPAs)
Non-Performing Assets (NPAs) Credit Risk Management Metrics Non-Performing Loans as % of Total Loans Non-Performing Assets as % of Total Assets Quarterly Net Charge Offs in bps of Loans HFI Allowance for Loan Losses as % of Loans HFI Nonperforming assets increased by $2.8 million, or 6.9%, during 3Q
Slide 22: Total Allowance for Credit Losses
Total Allowance for Credit Losses Current Expected Credit Loss (“CECL”) ($ in millions) ACL Rollforward New current expected credit loss (CECL) model was implemented effective July 1, 2026 The increase in the allowance for loan losses and the coverage ratio (allowance for loan losses as a % of loans
Slide 23: Non-Interest Expense (NIE)
Non-Interest Expense (NIE) ▌ Ongoing focus on improving operating leverage and scalability through technology and process improvement initiatives while adding talent and improving capabilities and offerings to our Clients Expenses and Operational Efficiency Compensation & Benefits Other Expenses Dat
Slide 24: Strong Capital Position
▌ Continued strong capital accretion to support balance sheet growth & strategic options to enhance shareholder value Strong Capital Position * Select CalPrivate Bank Capital Ratios Tangible Book Value per Share* Manage capital to achieve strong levels of Return on Equity while maintaining capital b
Slide 25: CalPrivate Culture and Community Outreach
CalPrivate Culture and Community Outreach ONE Team: A cohesive, talented, accountable and empowered group of service-oriented professionals who show up every day dedicated to providing top-tier service to our Clients and Team Members. ONE Goal: To be the best company we can be. ONE Vision: To excel
Slide 26: Technology & Innovation Differentiation
Technology & Innovation Differentiation Technology Principles Investment in technology is a competitive necessity Enables improved performance by providing improved Client Experience, expansion of the Client base and increased productivity Helps address regulatory pressure related to managing operat
Slide 27: Non-GAAP Reconciliation
\ Non-GAAP Reconciliation The following tables present a reconciliation of non-GAAP financial measures to GAAP measures. We believe the presentation of certain non-GAAP financial measures provides useful information to assess our consolidated financial condition and consolidated results of operation
Slide 28: Non-GAAP Reconciliation
AN Non-GAAP Reconciliation The following tables present a reconciliation of non-GAAP financial measures to GAAP measures. We believe the presentation of certain non-GAAP financial measures provides useful information to assess our consolidated financial condition and consolidated results of operatio
Slide 29: Non-GAAP Reconciliation
\ Non-GAAP Reconciliation The following tables present a reconciliation of non-GAAP financial measures to GAAP measures. We believe the presentation of certain non-GAAP financial measures provides useful information to assess our consolidated financial condition and consolidated results of operation
Slide 30: Non-GAAP Reconciliation continued
Non-GAAP Reconciliation continued
Slide 31: Non-GAAP Reconciliation continued
Non-GAAP Reconciliation continued
Slide 32: Management Contacts
President & Chief Executive Officer o. 424.303.4894 rsowers@calprivate.bank Rick Sowers Cory Stewart EVP & Chief Financial Officer o. 949.345.7625 cstewart@calprivate.bank Management Contacts
Slide 33: Holding Company for CalPrivate Bank
Holding Company for (NASDAQ: PBAM)
Private Bancorp of America — Q3 2026 Earnings Presentation on 6ix