Las Vegas, NV · Cert 25620
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
3
Profitability
100
Liquidity
0
Efficiency
54
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Las Vegas, NV · Cert 25620
National charter · OCC · 1 branch
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 1.5% share · #11 of 41 inst. · $1.4B of $95.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 22.50% | 23.28% | 26.19% | 24.65% | 23.57% | 21.85% | 22.25% | 19.90% | -475 bps | |
| Return on Equity | 67.88% | 71.23% | 82.15% | 76.05% | 72.47% | 69.14% | 78.29% | 71.24% | -481 bps | |
| Net Interest Margin | 20.20% | 19.71% | 21.01% | 19.81% | 20.15% | 19.56% | 22.66% | 20.83% | +101 bps | |
| Efficiency Ratio | 60.48% | 60.15% | 59.57% | 59.13% | 59.24% | 59.71% | 59.76% | 58.99% | -14 bps | |
| Non-Interest Burden | -21.12% | -20.32% | -20.40% | -19.40% | -18.89% | -17.46% | -17.40% | -15.93% | +347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.45% | 5.43% | 12.09% | 20.24% | 21.62% | 18.16% | 19.27% | 26.93% | +669 bps | |
| Loan Growth (YoY) | 26.89% | 22.80% | 22.54% | 23.42% | 26.00% | 30.53% | 36.15% | 41.10% | +1,769 bps | |
| Deposit Growth (YoY) | 24.70% | 28.82% | 29.02% | 28.54% | 21.71% | 26.22% | 32.57% | 47.32% | +1,877 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.74% | 3.86% | 3.90% | 3.48% | 3.52% | 3.60% | 3.60% | 3.19% | -29 bps | |
| Net Charge-Offs / Loans | 11.47% | 10.96% | 13.08% | 12.45% | 11.23% | 10.25% | 11.85% | 11.01% | -145 bps | |
| Allowance / Loans | 15.48% | 14.33% | 13.63% | 13.13% | 13.30% | 14.54% | 14.32% | 14.56% | +143 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.7x | 3.5x | 3.8x | 3.8x | 4.0x | 4.0x | 4.6x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 30.91% | 31.37% | 34.00% | 34.13% | 32.92% | 26.98% | 29.51% | 28.17% | -596 bps | |
| Total Risk-Based Capital | 30.91% | 31.37% | 34.00% | 34.13% | 32.92% | 26.98% | 29.51% | 28.17% | -596 bps | |
| Equity / Assets | 30.51% | 30.90% | 32.77% | 33.38% | 32.85% | 28.15% | 28.66% | 27.10% | -628 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 151.59% | 152.43% | 143.34% | 143.20% | 156.93% | 157.63% | 147.21% | 137.16% | -604 bps | |
| Liquid Assets / Assets | 17.38% | 16.44% | 21.90% | 22.00% | 16.61% | 10.59% | 17.04% | 20.20% | -179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Las Vegas, NV · Cert 25620 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
National charter · OCC · 1 branch
Q2 2026
Return on Assets
17.86%
Rank 1 of 258
Net Interest Margin
20.83%
Rank 1 of 258
Efficiency Ratio
58.99%
Rank 118 of 257
Equity / Assets
27.10%
Rank 2 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 17.86% | 0.93% | 1.23% | 1.54% | Beats 100% | 1 / 258 | ||
| Return on Equity | 65.90% | 9.26% | 11.84% | 14.74% | Beats 100% | 1 / 258 | ||
| Net Interest Margin | 20.83% | 3.16% | 3.49% | 3.88% | Beats 100% | 1 / 258 | ||
| Efficiency Ratio | 58.99% | 51.71% | 60.30% | 69.65% | Beats 54% | 118 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.19% | 0.19% | 0.46% | 0.90% | Beats 4% | 249 / 258 | ||
| Net Charge-Offs / Loans | 6.46% | 0.01% | 0.02% | 0.07% | Beats 1% | 257 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.17% | 11.41% | 12.98% | 15.12% | Beats 97% | 7 / 258 | ||
| Total Risk-Based Capital Ratio | 28.17% | 12.10% | 13.91% | 16.08% | Beats 97% | 8 / 258 | ||
| Equity / Assets | 27.10% | 9.09% | 10.24% | 11.72% | Beats 99% | 2 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 137.16% | 73.24% | 86.34% | 95.95% | 99th pctl | 3 / 258 | ||
| Loans / Assets | 80.93% | 63.01% | 72.27% | 78.40% | 82nd pctl | 47 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||