Modesto, CA · Charter 24986
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | 0.63% | 0.57% | n/a | |
| Return on Equity | 6.54% | 5.84% | n/a | |
| Net Interest Margin | 3.77% | 3.77% | n/a | |
| Efficiency Ratio | 66.03% | 67.54% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Delinquent Loans / Loans | 0.68% | 0.71% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | n/a | |
| Capital | ||||
| Risk-Based Capital | 9.68% | 9.81% | n/a | |
| Net Worth / Assets | 9.68% | 9.81% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 86.67% | 89.74% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |