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Letter portraitLegal landscapeQuarterYTD

Bakersfield City Employees

Bakersfield, CA · Charter 1339

NCUA · 2 branches

Q2 2026

$30.1MAssets
$14.0MLoans
$26.4MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 93 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.03% of loans (-25 bps YoY).
  • Capital: net worth / assets of 12.10%, up 111 bps from a year ago.
  • Funding: loans stand at 52.78% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.38%-93 bps YoY

Net Interest Margin (quarter, annualized)

3.43%-106 bps YoY

Efficiency Ratio (quarter, annualized)

87.86%+1,696 bps YoY

Net Worth / Assets

12.10%+111 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%1.10%0.90%1.31%1.41%1.46%1.11%0.38%-93 bps
Return on Equity8.32%10.60%8.64%11.89%12.37%12.17%9.25%3.14%-876 bps
Net Interest Margin3.93%4.15%4.31%4.49%4.57%4.65%4.39%3.43%-106 bps
Efficiency Ratio77.37%73.88%79.80%70.90%70.29%70.69%74.61%87.86%+1,696 bps
Growth
Asset Growth (YoY)-9.36%-5.70%-6.74%-3.33%-3.09%-1.78%-1.74%2.60%+594 bps
Loan Growth (YoY)-6.61%-4.59%-4.59%-2.60%-4.48%-10.38%-13.86%-16.78%-1,418 bps
Share Growth (YoY)-11.79%-9.78%-9.08%-6.41%-5.46%-2.50%-4.41%2.21%+861 bps
Asset Quality
Delinquent Loans / Loans0.22%0.16%0.28%0.28%0.17%0.20%0.04%0.03%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.58%10.34%10.37%10.98%11.42%11.98%12.03%12.10%+111 bps
Net Worth / Assets9.58%10.34%10.37%10.98%11.42%11.98%12.03%12.10%+111 bps
Liquidity & Funding
Loans / Shares61.48%64.41%61.26%64.82%62.12%59.20%55.20%52.78%-1,204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps