Boston, MA · Cert 23966
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #59 of 107 inst. · $0.5B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20%1 | 0.35%1 | 0.21%1 | -1.04% | -0.80% | -101 bps | |
| Return on Equity | 2.25% | 3.79% | 2.31% | -11.56% | -8.88% | -1,113 bps | |
| Net Interest Margin | 2.42% | 2.37% | 2.30% | 2.32% | 2.20% | -22 bps | |
| Efficiency Ratio | 100.93% | 101.60% | 99.92% | 104.04% | 107.54% | +661 bps | |
| Non-Interest Burden | 2.45% | 2.44% | 2.29% | 2.48% | 2.49% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.21% | 8.69% | 0.71% | 0.40% | 5.13% | +634 bps | |
| Loan Growth (YoY) | -5.77% | -2.81% | -1.58% | -1.52% | 0.21% | +598 bps | |
| Deposit Growth (YoY) | 1.15% | 4.63% | 0.88% | -7.01% | -1.10% | -225 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.15% | 0.19% | 0.42% | +39 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | -0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 0.40% | 0.39% | 0.40% | 0.40% | 0.39% | -1 bps | |
| Allowance Coverage of NPLs | 10.9x | 10.0x | 2.7x | 2.1x | 0.9x | -10.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.08% | 11.17% | 10.90% | 10.83% | 10.43% | -65 bps | |
| Total Risk-Based Capital | 11.08% | 11.17% | 10.90% | 10.83% | 10.43% | -65 bps | |
| Equity / Assets | 9.83% | 10.02% | 8.23% | 9.88% | 9.29% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.96% | 77.13% | 77.99% | 84.10% | 80.00% | +104 bps | |
| Liquid Assets / Assets | 7.05% | 5.12% | 23.01% | 4.77% | 4.42% | -264 bps | |
| CRE / Total Capital | n/a | 577% | 576% | 596% | n/a | n/a | |