Encinitas, CA · Cert 25249 · C3 Bcorp
National charter · OCC · 4 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.5% share · #20 of 42 inst. · $0.7B of $135.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.28% | 1.22% | 1.20% | 1.12% | -4 bps | |
| Return on Equity | 12.57% | 13.73% | 12.99% | 12.33% | 11.10% | -147 bps | |
| Net Interest Margin | 3.59% | 3.63% | 3.72% | 3.81% | 3.77% | +18 bps | |
| Efficiency Ratio | 53.81% | 51.61% | 52.09% | 51.80% | 56.69% | +288 bps | |
| Non-Interest Burden | 1.89% | 1.81% | 1.87% | 1.91% | 2.09% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.20% | 15.42% | 4.81% | -4.97% | -0.29% | -2,349 bps | |
| Loan Growth (YoY) | -5.33% | -0.35% | 7.92% | 10.19% | 4.76% | +1,009 bps | |
| Deposit Growth (YoY) | 26.83% | 16.76% | 4.44% | -6.50% | -1.47% | -2,830 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.36% | 1.34% | 1.37% | 1.38% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.53% | 9.55% | 9.97% | 10.26% | 10.59% | +106 bps | |
| Total Risk-Based Capital | 16.89% | 17.36% | 17.04% | 17.05% | 17.83% | +93 bps | |
| Equity / Assets | 9.07% | 9.55% | 9.23% | 10.37% | 9.87% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.70% | 70.79% | 68.58% | 78.53% | 71.98% | +428 bps | |
| Liquid Assets / Assets | 37.39% | 34.56% | 36.18% | 28.11% | 33.44% | -394 bps | |
| CRE / Total Capital | n/a | 434% | 456% | 454% | n/a | n/a | |