Alhambra, CA · Cert 23086 · CKH Capital Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #68 of 107 inst. · $0.4B 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 | 0.92% | 0.94% | 0.64% | 0.53% | 0.69% | 0.66% | 0.43% | 0.70% | +17 bps | |
| Return on Equity | 3.71% | 3.78% | 2.56% | 2.08% | 2.74% | 2.58% | 1.62% | 2.62% | +54 bps | |
| Net Interest Margin | 4.04% | 4.03% | 3.87% | 4.00% | 4.27% | 4.12% | 3.86% | 4.41% | +41 bps | |
| Efficiency Ratio | 64.63% | 65.28% | 76.02% | 81.12% | 74.81% | 75.89% | 83.62% | 76.56% | -456 bps | |
| Non-Interest Burden | 2.47% | 2.53% | 2.94% | 3.23% | 3.18% | 3.12% | 3.22% | 3.38% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | -1.20% | -2.50% | 0.94% | -3.70% | -2.22% | -2.89% | 1.47% | +53 bps | |
| Loan Growth (YoY) | -0.43% | -4.03% | -6.43% | -1.08% | 0.22% | 0.76% | 7.76% | 7.71% | +879 bps | |
| Deposit Growth (YoY) | 12.64% | 8.87% | 6.89% | 1.67% | -5.12% | -2.68% | -4.68% | 0.00% | -167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.75% | 1.39% | 1.75% | 3.26% | 4.71% | 8.32% | 10.14% | 7.69% | +443 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.58% | 1.64% | 1.68% | 1.67% | 1.65% | 1.70% | 1.65% | 1.65% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.2x | 1.0x | 0.5x | 0.4x | 0.2x | 0.2x | 0.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.90% | 24.57% | 24.99% | 24.96% | 25.41% | 25.24% | 26.79% | 27.11% | +216 bps | |
| Total Risk-Based Capital | 43.23% | 43.18% | 44.32% | 43.46% | 40.49% | 42.14% | 43.24% | 44.57% | +111 bps | |
| Equity / Assets | 24.21% | 25.06% | 25.27% | 25.73% | 25.22% | 25.58% | 27.01% | 27.01% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.07% | 92.70% | 91.09% | 95.52% | 97.26% | 95.98% | 102.98% | 102.89% | +737 bps | |
| Liquid Assets / Assets | 27.92% | 27.30% | 28.72% | 25.59% | 23.85% | 25.31% | 21.47% | 21.39% | -421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.91% | 151.71% | 158.30% | n/a | n/a | |