Sandy, UT · Cert 20164 · H Bcorp LLC
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #28 of 107 inst. · $2.6B of $667.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.85% | 1.93% | 1.69% | 1.62% | -4 bps | |
| Return on Equity | 18.16% | 19.90% | 20.76% | 18.12% | 17.39% | -76 bps | |
| Net Interest Margin | 4.45% | 4.49% | 4.42% | 4.14% | 4.04% | -42 bps | |
| Efficiency Ratio | 56.62% | 56.17% | 56.62% | 60.23% | 61.60% | +498 bps | |
| Non-Interest Burden | 2.33% | 2.31% | 2.27% | 2.32% | 2.39% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.00% | 9.91% | 17.08% | 19.51% | 18.60% | +860 bps | |
| Loan Growth (YoY) | 20.22% | 13.56% | 17.45% | 18.84% | 14.85% | -538 bps | |
| Deposit Growth (YoY) | 22.09% | 21.16% | 11.69% | 15.86% | 7.74% | -1,435 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.55% | 0.57% | 0.65% | 0.60% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.75% | 1.76% | 1.76% | 1.76% | 1.77% | +2 bps | |
| Allowance Coverage of NPLs | 5.7x | 3.2x | 3.1x | 2.7x | 2.9x | -2.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.62% | 9.80% | 9.95% | 9.77% | 9.71% | +9 bps | |
| Total Risk-Based Capital | 11.29% | 11.68% | 11.38% | 11.36% | 11.66% | +37 bps | |
| Equity / Assets | 9.32% | 9.66% | 9.35% | 9.28% | 9.35% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.27% | 95.37% | 105.02% | 100.31% | 103.69% | +642 bps | |
| Liquid Assets / Assets | 3.16% | 2.14% | 2.20% | 2.77% | 2.07% | -109 bps | |
| CRE / Total Capital | n/a | 573% | 561% | 549% | n/a | n/a | |