San Francisco, CA · Cert 20387 · Orient Bcorp
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #27 of 69 inst. · $1.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.81% | 0.68% | 0.87% | 0.76% | -3 bps | |
| Return on Equity | 6.00% | 6.23% | 5.34% | 7.39% | 6.55% | +55 bps | |
| Net Interest Margin | 3.40% | 3.41% | 3.37% | 3.47% | 3.28% | -12 bps | |
| Efficiency Ratio | 67.93% | 67.41% | 72.29% | 65.30% | 67.10% | -84 bps | |
| Non-Interest Burden | 2.29% | 2.27% | 2.42% | 2.24% | 2.18% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.88% | 8.10% | 16.26% | 18.10% | 18.92% | +1,004 bps | |
| Loan Growth (YoY) | 9.40% | 10.96% | 19.69% | 20.50% | 18.94% | +954 bps | |
| Deposit Growth (YoY) | 10.21% | 9.52% | 18.08% | 20.76% | 21.51% | +1,130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.15% | 0.91% | 0.82% | 0.79% | 2.16% | +101 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.07% | 0.05% | 0.00% | 0.00% | -16 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.00% | 12.93% | 12.61% | 12.06% | 11.65% | -135 bps | |
| Total Risk-Based Capital | 13.00% | 12.93% | 12.61% | 12.06% | 11.65% | -135 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.30% | 97.94% | 99.97% | 97.45% | 94.26% | -203 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.04% | 0.00% | 0.00% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |