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 (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 | 21.59% | 25.82% | 26.19% | 23.16% | 21.19% | 16.67% | 22.25% | 17.93% | -523 bps | |
| Return on Equity | 71.85% | 84.06% | 82.15% | 70.01% | 64.01% | 54.71% | 78.29% | 64.41% | -559 bps | |
| Net Interest Margin | 21.44% | 21.26% | 21.01% | 20.12% | 21.57% | 21.68% | 22.66% | 21.40% | +128 bps | |
| Efficiency Ratio | 61.37% | 59.22% | 59.57% | 58.70% | 59.43% | 61.00% | 59.76% | 58.23% | -48 bps | |
| Non-Interest Burden | -21.21% | -21.09% | -20.40% | -19.86% | -18.61% | -16.78% | -17.40% | -16.31% | +355 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 | 11.34% | 12.00% | 13.08% | 12.61% | 10.89% | 10.90% | 11.85% | 11.26% | -134 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 | |