City of Industry, CA · Cert 23805
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #86 of 107 inst. · $0.2B of $667.8B
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 | 0.91% | 0.02% | 0.18% | 0.50% | 0.51% | 0.27% | 0.35% | 0.45% | -6 bps | |
| Return on Equity | 4.52% | 0.09% | 0.93% | 2.73% | 2.90% | 1.59% | 2.04% | 2.62% | -11 bps | |
| Net Interest Margin | 4.69% | 4.11% | 3.87% | 3.96% | 3.98% | 3.80% | 3.91% | 4.15% | +19 bps | |
| Efficiency Ratio | 76.80% | 99.48% | 93.81% | 82.71% | 83.37% | 105.43% | 87.04% | 84.81% | +211 bps | |
| Non-Interest Burden | 3.58% | 4.09% | 3.62% | 3.22% | 3.28% | 4.01% | 3.39% | 3.50% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 6.19% | 5.23% | 13.38% | 20.22% | 15.98% | 14.00% | 8.25% | -514 bps | |
| Loan Growth (YoY) | 2.78% | 8.13% | 13.94% | 14.06% | 20.29% | 11.46% | 8.50% | 18.62% | +456 bps | |
| Deposit Growth (YoY) | -0.65% | 6.55% | 8.82% | 17.85% | 26.98% | 20.60% | 16.02% | 9.96% | -789 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.16% | 0.16% | 0.15% | 2.51% | +251 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 | 2.41% | 2.27% | 2.19% | 2.16% | 2.01% | 1.83% | 1.81% | 1.63% | -53 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 12.4x | 11.7x | 12.2x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.14% | 20.16% | 19.43% | 18.45% | 17.66% | 17.13% | 17.30% | 17.39% | -105 bps | |
| Total Risk-Based Capital | 20.14% | 20.16% | 19.43% | 18.45% | 17.66% | 17.13% | 17.30% | 17.39% | -105 bps | |
| Equity / Assets | 20.20% | 19.47% | 19.11% | 17.89% | 17.05% | 17.19% | 17.15% | 16.89% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.81% | 98.13% | 97.39% | 91.33% | 91.70% | 90.69% | 91.08% | 98.53% | +719 bps | |
| Liquid Assets / Assets | 17.01% | 13.88% | 13.07% | 17.62% | 17.02% | 18.38% | 18.18% | 12.62% | -500 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 417% | 411% | 417% | n/a | n/a | |