Stockton, CA · Cert 1536 · 1867 Western Financial Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Stockton-Lodi, CA · 2026 SOD (annual) · 15.0% share · #3 of 15 inst. · $2.4B of $15.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.28%1 | -0.45% | 4.42%1 | 0.74% | 4.22%1 | 0.07% | 4.57%1 | 7.57%1 | +683 bps | |
| Return on Equity | 31.49% | -2.59% | 25.15% | 4.12% | 23.13% | 0.40% | 24.72% | 39.71% | +3,559 bps | |
| Net Interest Margin | 3.01% | 2.96% | 2.98% | 3.14% | 3.23% | 3.36% | 3.41% | 3.62% | +48 bps | |
| Efficiency Ratio | 50.59% | 72.44% | 50.79% | 54.25% | 51.05% | 56.71% | 47.75% | 47.39% | -686 bps | |
| Non-Interest Burden | 1.20% | 1.98% | 1.21% | 1.41% | 1.33% | 1.63% | 1.29% | 1.28% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.98% | -1.72% | 1.59% | 7.42% | 7.79% | 7.52% | 6.24% | 7.62% | +20 bps | |
| Loan Growth (YoY) | 7.74% | 7.08% | 7.31% | 4.21% | 1.38% | 4.11% | 4.15% | 4.09% | -12 bps | |
| Deposit Growth (YoY) | -4.37% | -3.26% | -0.59% | 4.25% | 5.68% | 5.01% | 4.73% | 3.36% | -89 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.16% | 0.23% | 0.20% | 0.08% | 0.08% | 0.09% | 0.08% | -12 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.03% | 0.04% | 0.09% | 0.01% | 0.10% | 0.00% | -4 bps | |
| Allowance / Loans | 3.30% | 3.28% | 3.30% | 3.25% | 3.25% | 3.23% | 3.22% | 3.19% | -6 bps | |
| Allowance Coverage of NPLs | 23.9x | 20.3x | 14.3x | 16.3x | 42.2x | 40.4x | 37.7x | 39.2x | +22.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.82% | 17.24% | 18.24% | 18.02% | 18.72% | 18.12% | 18.55% | 19.95% | +193 bps | |
| Total Risk-Based Capital | 18.43% | 18.63% | 19.19% | 19.17% | 19.57% | 19.35% | 19.27% | 20.07% | +89 bps | |
| Equity / Assets | 17.49% | 17.14% | 18.02% | 17.79% | 18.64% | 18.42% | 18.57% | 19.53% | +174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.54% | 66.66% | 65.78% | 64.87% | 64.79% | 66.08% | 65.41% | 65.33% | +46 bps | |
| Liquid Assets / Assets | 2.03% | 3.24% | 3.32% | 4.42% | 3.32% | 2.75% | 3.66% | 5.04% | +62 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 148.52% | 157.30% | 156.33% | n/a | n/a | |