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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.03% | 2.88% | 1.92% | 1.77% | 1.90% | -113 bps | |
| Return on Equity | 6.65% | 6.48% | 4.38% | 4.27% | 4.60% | -206 bps | |
| Net Interest Margin | 6.20% | 5.99% | 5.46% | 5.02% | 4.95% | -125 bps | |
| Efficiency Ratio | 37.45% | 40.15% | 48.15% | 52.19% | 49.65% | +1,219 bps | |
| Non-Interest Burden | 2.11% | 2.23% | 2.46% | 2.46% | 2.29% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.41% | 15.40% | 18.54% | 21.49% | 4.73% | -268 bps | |
| Loan Growth (YoY) | 24.94% | 13.52% | 20.50% | 17.96% | 13.70% | -1,124 bps | |
| Deposit Growth (YoY) | 18.34% | 22.17% | 30.87% | 38.90% | 5.25% | -1,309 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 7.20% | 7.25% | 7.52% | 7.17% | 6.92% | -28 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.4x | 0.4x | 0.4x | 0.4x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 43.91% | 41.66% | 41.65% | 41.93% | 40.98% | -293 bps | |
| Total Risk-Based Capital | 46.86% | 46.38% | 44.47% | 43.45% | 41.77% | -508 bps | |
| Equity / Assets | 41.42% | 41.94% | 42.01% | 41.07% | 40.91% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 133.37% | 133.28% | 141.66% | 142.08% | 144.08% | +1,071 bps | |
| Liquid Assets / Assets | 17.30% | 17.60% | 13.40% | 12.65% | 10.68% | -662 bps | |
| CRE / Total Capital | n/a | 154.76% | 157.34% | 163.34% | n/a | n/a | |