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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.04% | 3.74% | 3.26% | 2.89% | 2.56% | -0.77% | 1.77% | 2.02% | -87 bps | |
| Return on Equity | 6.59% | 8.05% | 6.81% | 6.50% | 6.14% | -1.83% | 4.27% | 4.92% | -158 bps | |
| Net Interest Margin | 7.29% | 8.03% | 6.93% | 6.05% | 6.39% | 3.77% | 5.02% | 5.06% | -99 bps | |
| Efficiency Ratio | 43.61% | 37.82% | 37.74% | 37.16% | 45.06% | 84.87% | 52.19% | 47.22% | +1,005 bps | |
| Non-Interest Burden | 3.89% | 2.83% | 2.41% | 2.02% | 2.73% | 3.15% | 2.46% | 2.21% | +19 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 | |