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 (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 | 0.28% | 0.27%1 | 0.26% | 0.14%1 | 0.67%1 | -0.17% | -1.04% | -0.59% | -73 bps | |
| Return on Equity | 2.83% | 3.12% | 3.07% | 1.45% | 6.76% | -1.93% | -11.56% | -6.15% | -760 bps | |
| Net Interest Margin | 2.61% | 2.61% | 2.56% | 2.30% | 2.33% | 2.17% | 2.32% | 2.13% | -17 bps | |
| Efficiency Ratio | 88.19% | 132.27% | 92.99% | 110.69% | 103.02% | 94.77% | 104.04% | 111.20% | +51 bps | |
| Non-Interest Burden | 1.90% | 4.21% | 2.18% | 2.75% | 2.45% | 1.93% | 2.48% | 2.55% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | 0.09% | -0.06% | -1.21% | 8.69% | 0.71% | 0.40% | 5.13% | +634 bps | |
| Loan Growth (YoY) | -6.01% | -6.95% | -6.56% | -5.77% | -2.81% | -1.58% | -1.52% | 0.21% | +598 bps | |
| Deposit Growth (YoY) | -0.88% | 3.74% | 2.61% | 1.15% | 4.63% | 0.88% | -7.01% | -1.10% | -225 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.03% | 0.01% | 0.04% | 0.04% | 0.15% | 0.19% | 0.42% | +39 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 0.39% | 0.41% | 0.40% | 0.40% | 0.39% | 0.40% | 0.40% | 0.39% | -1 bps | |
| Allowance Coverage of NPLs | 3.2x | 14.5x | 31.2x | 10.9x | 10.0x | 2.7x | 2.1x | 0.9x | -10.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.95% | 11.38% | 11.12% | 11.08% | 11.17% | 10.90% | 10.83% | 10.43% | -65 bps | |
| Total Risk-Based Capital | 10.95% | 11.38% | 11.12% | 11.08% | 11.17% | 10.90% | 10.83% | 10.43% | -65 bps | |
| Equity / Assets | 10.39% | 7.57% | 9.73% | 9.83% | 10.02% | 8.23% | 9.88% | 9.29% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.03% | 79.94% | 79.41% | 78.96% | 77.13% | 77.99% | 84.10% | 80.00% | +104 bps | |
| Liquid Assets / Assets | 7.88% | 27.15% | 8.41% | 7.05% | 5.12% | 23.01% | 4.77% | 4.42% | -264 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 577% | 576% | 596% | n/a | n/a | |