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 (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 | 1.03% | 1.16% | 2.30% | 0.87% | 1.13% | +10 bps | |
| Return on Equity | 7.09% | 8.43% | 17.18% | 6.34% | 8.37% | +128 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.47% | 3.53% | 3.53% | +21 bps | |
| Efficiency Ratio | 61.12% | 62.08% | 45.73% | 59.91% | 57.66% | -347 bps | |
| Non-Interest Burden | 1.85% | 1.16% | 0.90% | 2.00% | 1.90% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.34% | 36.77% | 35.61% | 29.37% | 28.18% | +3,251 bps | |
| Loan Growth (YoY) | -9.53% | 47.33% | 47.04% | 47.13% | 46.95% | +5,647 bps | |
| Deposit Growth (YoY) | -0.93% | 37.90% | 36.49% | 30.46% | 29.53% | +3,046 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.44% | 0.34% | 0.36% | 0.41% | +20 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.24% | 0.39% | 0.12% | 0.10% | -23 bps | |
| Allowance / Loans | 0.74% | 1.16% | 1.08% | 1.13% | 1.12% | +38 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.6x | 3.2x | 3.2x | 2.7x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.16% | 11.46% | 9.58% | 9.31% | 9.38% | -78 bps | |
| Total Risk-Based Capital | 19.10% | 16.13% | 16.81% | 16.21% | 16.74% | -236 bps | |
| Equity / Assets | 14.58% | 13.09% | 13.69% | 13.68% | 13.30% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.16% | 75.17% | 74.53% | 75.94% | 75.06% | +890 bps | |
| Liquid Assets / Assets | 19.67% | 11.44% | 9.71% | 7.52% | 7.52% | -1,215 bps | |
| CRE / Total Capital | n/a | 413% | 392% | 402% | n/a | n/a | |