Hayward, CA · Cert 23242
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
50
Profitability
67
Liquidity
0
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hayward, CA · Cert 23242
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #58 of 69 inst. · $0.1B 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 | 3.79% | 3.78% | 3.26% | 3.03% | 2.88% | 1.92% | 1.77% | 1.90% | -113 bps | |
| Return on Equity | 8.06% | 8.02% | 6.81% | 6.65% | 6.48% | 4.38% | 4.27% | 4.60% | -206 bps | |
| Net Interest Margin | 7.26% | 7.54% | 6.93% | 6.20% | 5.99% | 5.46% | 5.02% | 4.95% | -125 bps | |
| Efficiency Ratio | 33.18% | 34.41% | 37.74% | 37.45% | 40.15% | 48.15% | 52.19% | 49.65% | +1,219 bps | |
| Non-Interest Burden | 2.19% | 2.38% | 2.41% | 2.11% | 2.23% | 2.46% | 2.46% | 2.29% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | -4.79% | -4.71% | 7.41% | 15.40% | 18.54% | 21.49% | 4.73% | -268 bps | |
| Loan Growth (YoY) | 4.57% | 1.11% | 15.57% | 24.94% | 13.52% | 20.50% | 17.96% | 13.70% | -1,124 bps | |
| Deposit Growth (YoY) | 8.22% | -4.67% | -4.65% | 18.34% | 22.17% | 30.87% | 38.90% | 5.25% | -1,309 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 13.10% | 9.07% | 9.26% | 4.51% | 17.17% | 16.95% | 16.39% | 15.93% | +1,142 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 | 8.24% | 8.29% | 7.74% | 7.20% | 7.25% | 7.52% | 7.17% | 6.92% | -28 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.9x | 0.8x | 1.6x | 0.4x | 0.4x | 0.4x | 0.4x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 43.82% | 45.41% | 47.12% | 43.91% | 41.66% | 41.65% | 41.93% | 40.98% | -293 bps | |
| Total Risk-Based Capital | 50.21% | 52.43% | 50.59% | 46.86% | 46.38% | 44.47% | 43.45% | 41.77% | -508 bps | |
| Equity / Assets | 45.19% | 47.66% | 48.05% | 41.42% | 41.94% | 42.01% | 41.07% | 40.91% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 143.42% | 153.85% | 167.30% | 133.37% | 133.28% | 141.66% | 142.08% | 144.08% | +1,071 bps | |
| Liquid Assets / Assets | 13.84% | 17.78% | 12.48% | 17.30% | 17.60% | 13.40% | 12.65% | 10.68% | -662 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.76% | 157.34% | 163.34% | n/a | n/a | |
Hayward, CA · Cert 23242 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.86%
Rank 71 of 746
Net Interest Margin
4.95%
Rank 33 of 746
Efficiency Ratio
49.65%
Rank 103 of 746
Equity / Assets
40.91%
Rank 6 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.86% | 0.72% | 1.06% | 1.45% | Beats 90% | 71 / 746 | ||
| Return on Equity | 4.54% | 6.74% | 10.51% | 13.63% | Beats 16% | 625 / 746 | ||
| Net Interest Margin | 4.95% | 3.17% | 3.68% | 4.16% | Beats 96% | 33 / 746 | ||
| Efficiency Ratio | 49.65% | 55.74% | 64.58% | 75.47% | Beats 86% | 103 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 15.93% | 0.09% | 0.42% | 1.07% | Beats 0% | 743 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 40.47% | 11.55% | 13.75% | 17.60% | Beats 97% | 22 / 746 | ||
| Total Risk-Based Capital Ratio | 41.77% | 11.71% | 14.33% | 18.43% | Beats 97% | 20 / 746 | ||
| Equity / Assets | 40.91% | 8.90% | 10.51% | 13.06% | Beats 99% | 6 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 144.08% | 61.31% | 78.27% | 90.78% | 99th pctl | 5 / 746 | ||
| Loans / Assets | 83.09% | 53.60% | 66.97% | 76.08% | 92nd pctl | 63 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||