Walnut Creek, CA · Cert 1768 · 2011 TCRT
State charter, non-member · FDIC · 167 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
69
Profitability
37
Liquidity
55
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Walnut Creek, CA · Cert 1768 · 2011 TCRT
State charter, non-member · FDIC · 167 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.8% share · #12 of 69 inst. · $4.0B of $513.2B
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 | -0.18% | 0.17% | 1.06% | 1.04% | 1.05% | 1.44% | 0.87% | 0.99% | -5 bps | |
| Return on Equity | -1.35% | 1.29% | 7.49% | 7.30% | 7.58% | 10.38% | 6.34% | 7.33% | +3 bps | |
| Net Interest Margin | 3.18% | 3.32% | 3.29% | 3.30% | 3.06% | 2.76% | 3.53% | 3.56% | +26 bps | |
| Efficiency Ratio | 57.22% | 56.72% | 57.66% | 59.40% | 60.66% | 55.79% | 59.91% | 58.78% | -62 bps | |
| Non-Interest Burden | 1.65% | 1.69% | 1.71% | 1.78% | 1.44% | 1.12% | 2.00% | 1.97% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.91% | -5.78% | -4.59% | -4.34% | 36.77% | 35.61% | 29.37% | 28.18% | +3,251 bps | |
| Loan Growth (YoY) | -10.92% | -10.52% | -9.90% | -9.53% | 47.33% | 47.04% | 47.13% | 46.95% | +5,647 bps | |
| Deposit Growth (YoY) | -3.84% | -2.49% | -1.25% | -0.93% | 37.90% | 36.49% | 30.46% | 29.53% | +3,046 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.11% | 0.22% | 0.44% | 0.34% | 0.36% | 0.41% | +20 bps | |
| Net Charge-Offs / Loans | 0.44% | 0.45% | 0.39% | 0.36% | 0.23% | 0.28% | 0.12% | 0.11% | -26 bps | |
| Allowance / Loans | 1.04% | 0.92% | 0.80% | 0.74% | 1.16% | 1.08% | 1.13% | 1.12% | +38 bps | |
| Allowance Coverage of NPLs | 8.4x | 7.8x | 7.1x | 3.4x | 2.6x | 3.2x | 3.2x | 2.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.93% | 9.66% | 9.91% | 10.16% | 11.46% | 9.58% | 9.31% | 9.38% | -78 bps | |
| Total Risk-Based Capital | 16.42% | 17.14% | 17.77% | 19.10% | 16.13% | 16.81% | 16.21% | 16.74% | -236 bps | |
| Equity / Assets | 13.85% | 13.96% | 14.35% | 14.58% | 13.09% | 13.69% | 13.68% | 13.30% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.35% | 69.18% | 67.33% | 66.16% | 75.17% | 74.53% | 75.94% | 75.06% | +890 bps | |
| Liquid Assets / Assets | 14.54% | 13.60% | 12.24% | 19.67% | 11.44% | 9.71% | 7.52% | 7.52% | -1,215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 413% | 392% | 402% | n/a | n/a | |
Walnut Creek, CA · Cert 1768 · Peer group: banks over $10B in assets (n=142-144) · 2011 TCRT
State charter, non-member · FDIC · 167 branches
Q2 2026
Return on Assets
1.01%
Rank 104 of 144
Net Interest Margin
3.56%
Rank 48 of 144
Efficiency Ratio
62.33%
Rank 108 of 144
Equity / Assets
13.30%
Rank 30 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 1.00% | 1.26% | 1.54% | Beats 28% | 104 / 144 | ||
| Return on Equity | 7.62% | 8.98% | 11.34% | 14.40% | Beats 17% | 120 / 144 | ||
| Net Interest Margin | 3.56% | 2.82% | 3.31% | 3.68% | Beats 67% | 48 / 144 | ||
| Efficiency Ratio | 62.33% | 49.42% | 56.02% | 62.41% | Beats 26% | 108 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.48% | 0.73% | 1.07% | Beats 82% | 26 / 142 | ||
| Net Charge-Offs / Loans | 0.10% | 0.05% | 0.11% | 0.22% | Beats 55% | 65 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.48% | 12.07% | 12.98% | 14.92% | Beats 81% | 28 / 144 | ||
| Total Risk-Based Capital Ratio | 16.74% | 13.39% | 14.14% | 16.25% | Beats 81% | 28 / 144 | ||
| Equity / Assets | 13.30% | 9.69% | 11.39% | 12.96% | Beats 79% | 30 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.06% | 75.72% | 84.92% | 91.56% | 24th pctl | 109 / 143 | ||
| Loans / Assets | 63.94% | 59.83% | 69.07% | 74.80% | 33rd pctl | 97 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||