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 | |