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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.37% | 1.71% | 1.66% | 1.85% | 1.93% | 1.69% | 1.62% | -4 bps | |
| Return on Equity | 14.42% | 15.89% | 18.92% | 18.16% | 19.90% | 20.76% | 18.12% | 17.39% | -76 bps | |
| Net Interest Margin | 4.15% | 4.29% | 4.49% | 4.45% | 4.49% | 4.42% | 4.14% | 4.04% | -42 bps | |
| Efficiency Ratio | 59.69% | 59.32% | 54.16% | 56.62% | 56.17% | 56.62% | 60.23% | 61.60% | +498 bps | |
| Non-Interest Burden | 2.30% | 2.38% | 2.20% | 2.33% | 2.31% | 2.27% | 2.32% | 2.39% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.36% | 17.40% | 10.54% | 10.00% | 9.91% | 17.08% | 19.51% | 18.60% | +860 bps | |
| Loan Growth (YoY) | 32.16% | 31.79% | 21.64% | 20.22% | 13.56% | 17.45% | 18.84% | 14.85% | -538 bps | |
| Deposit Growth (YoY) | 6.85% | 11.21% | 16.33% | 22.09% | 21.16% | 11.69% | 15.86% | 7.74% | -1,435 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.49% | 0.31% | 0.55% | 0.57% | 0.65% | 0.60% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.05% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.80% | 1.73% | 1.75% | 1.75% | 1.76% | 1.76% | 1.76% | 1.77% | +2 bps | |
| Allowance Coverage of NPLs | 5.6x | 5.3x | 3.6x | 5.7x | 3.2x | 3.1x | 2.7x | 2.9x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 9.38% | 9.47% | 9.62% | 9.80% | 9.95% | 9.77% | 9.71% | +9 bps | |
| Total Risk-Based Capital | 10.87% | 10.82% | 11.19% | 11.29% | 11.68% | 11.38% | 11.36% | 11.66% | +37 bps | |
| Equity / Assets | 8.84% | 8.87% | 9.22% | 9.32% | 9.66% | 9.35% | 9.28% | 9.35% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.75% | 99.87% | 97.79% | 97.27% | 95.37% | 105.02% | 100.31% | 103.69% | +642 bps | |
| Liquid Assets / Assets | 3.88% | 2.80% | 3.06% | 3.16% | 2.14% | 2.20% | 2.77% | 2.07% | -109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 573% | 561% | 549% | n/a | n/a | |