Los Angeles, CA · Cert 17281 · Royal Bank of Canada
National charter · OCC · 1 affiliate bank · 66 branches (67 in holding)
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 8.0% share · #4 of 107 inst. · $53.1B of $667.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 1.11% | 1.09% | 0.74% | 1.19% | +29 bps | |
| Return on Equity | 7.28% | 8.91% | 8.69% | 6.10% | 10.33% | +305 bps | |
| Net Interest Margin | 3.06% | 3.16% | 3.16% | 3.01% | 3.11% | +4 bps | |
| Efficiency Ratio | 64.83% | 65.99% | 62.65% | 67.97% | 63.80% | -103 bps | |
| Non-Interest Burden | 1.71% | 1.87% | 1.68% | 1.83% | 1.65% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.13% | 4.74% | 6.76% | 7.30% | 5.20% | +307 bps | |
| Loan Growth (YoY) | 2.29% | 5.91% | 9.43% | 8.91% | 6.32% | +403 bps | |
| Deposit Growth (YoY) | 1.77% | 4.58% | 2.50% | 5.99% | 4.82% | +305 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.46% | 0.61% | 0.77% | 0.92% | +42 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.04% | 0.03% | 0.04% | -1 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.22% | 11.33% | 11.14% | 10.37% | 10.08% | -114 bps | |
| Total Risk-Based Capital | 17.99% | 17.99% | 17.87% | 16.79% | 16.25% | -174 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.63% | 82.77% | 87.70% | 85.74% | 84.83% | +120 bps | |
| Liquid Assets / Assets | 8.97% | 8.70% | 8.71% | 8.65% | 8.72% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |