Long Beach, CA · Cert 1225 · Palomar Enterprises LLC
State charter, Fed member · FED · 27 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.3% share · #14 of 107 inst. · $8.7B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.37% | 0.58% | 0.53% | 0.56% | 0.59% | 0.74% | 0.97% | +44 bps | |
| Return on Equity | 4.01% | 3.30% | 4.90% | 4.45% | 4.70% | 4.78% | 5.45% | 7.10% | +265 bps | |
| Net Interest Margin | 1.91% | 1.99% | 2.22% | 2.31% | 2.32% | 2.32% | 2.63% | 2.68% | +37 bps | |
| Efficiency Ratio | 77.16% | 76.80% | 69.81% | 69.36% | 69.38% | 68.39% | 63.70% | 60.58% | -878 bps | |
| Non-Interest Burden | 1.44% | 1.49% | 1.51% | 1.56% | 1.57% | 1.55% | 1.63% | 1.50% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.59% | -2.87% | -5.77% | -6.54% | -3.29% | 0.92% | 3.22% | 3.29% | +983 bps | |
| Loan Growth (YoY) | -5.04% | -4.22% | -2.63% | -0.60% | -3.42% | -6.08% | -1.40% | 2.73% | +333 bps | |
| Deposit Growth (YoY) | -3.13% | 1.15% | 1.15% | -1.42% | 1.15% | 2.07% | 2.78% | 0.86% | +228 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.35% | 0.80% | 0.72% | 0.99% | 0.13% | 0.14% | 0.01% | -71 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.04% | 0.11% | 0.13% | 0.00% | -0.03% | -6 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.50% | 1.51% | 1.44% | 1.38% | 1.35% | 1.27% | -24 bps | |
| Allowance Coverage of NPLs | 2.2x | 4.2x | 1.9x | 2.1x | 1.5x | 10.7x | 9.7x | 91.6x | +89.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.20% | 11.42% | 11.89% | 12.18% | 12.15% | 13.49% | 13.61% | 13.95% | +178 bps | |
| Total Risk-Based Capital | 18.65% | 18.77% | 19.16% | 19.16% | 19.65% | 22.64% | 21.94% | 21.86% | +269 bps | |
| Equity / Assets | 11.41% | 11.71% | 12.00% | 12.18% | 12.08% | 13.62% | 13.56% | 13.90% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.59% | 73.67% | 73.81% | 74.34% | 70.27% | 67.79% | 70.81% | 75.72% | +138 bps | |
| Liquid Assets / Assets | 41.60% | 39.90% | 39.81% | 40.23% | 42.72% | 39.09% | 33.20% | 29.64% | -1,059 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 310% | 311% | n/a | n/a | |