Fresno, CA · Cert 25726
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Fresno, CA · 2026 SOD (annual) · 1.2% share · #15 of 22 inst. · $0.3B of $21.1B
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 | 1.29% | 1.32% | 1.40% | 1.58% | 1.88% | 1.58% | 1.85% | 2.15% | +56 bps | |
| Return on Equity | 9.47% | 9.45% | 9.74% | 10.89% | 12.89% | 10.79% | 12.69% | 14.57% | +367 bps | |
| Net Interest Margin | 3.74% | 3.99% | 4.00% | 4.42% | 4.70% | 4.74% | 4.69% | 4.87% | +45 bps | |
| Efficiency Ratio | 57.18% | 59.13% | 56.31% | 51.49% | 47.62% | 51.55% | 51.14% | 49.65% | -184 bps | |
| Non-Interest Burden | 2.08% | 2.30% | 2.20% | 2.21% | 2.12% | 2.37% | 2.34% | 2.32% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -3.26% | -5.13% | -1.65% | -1.02% | 2.50% | 2.17% | -0.36% | +129 bps | |
| Loan Growth (YoY) | -4.92% | -3.87% | -3.93% | -1.34% | 0.09% | 0.94% | 0.37% | -0.42% | +92 bps | |
| Deposit Growth (YoY) | -3.28% | -2.97% | -6.16% | -1.71% | -1.14% | 4.15% | 4.41% | 0.51% | +222 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.11% | 0.41% | 0.33% | 0.34% | 0.51% | 0.36% | 0.39% | +7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | -0.04% | 0.15% | 0.19% | 0.55% | 0.15% | -0.14% | -29 bps | |
| Allowance / Loans | 1.29% | 1.29% | 1.32% | 1.32% | 1.32% | 1.29% | 1.26% | 1.23% | -9 bps | |
| Allowance Coverage of NPLs | 12.0x | 11.5x | 3.2x | 4.0x | 3.9x | 2.5x | 3.5x | 3.1x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.78% | 13.99% | 14.50% | 14.56% | 14.81% | 14.81% | 14.59% | 14.89% | +32 bps | |
| Total Risk-Based Capital | 13.78% | 13.99% | 14.50% | 14.56% | 14.81% | 14.81% | 14.59% | 14.89% | +32 bps | |
| Equity / Assets | 13.75% | 14.23% | 14.59% | 14.47% | 14.69% | 14.67% | 14.55% | 14.91% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.20% | 103.88% | 105.01% | 103.51% | 103.47% | 100.68% | 100.94% | 102.55% | -96 bps | |
| Liquid Assets / Assets | 11.64% | 10.46% | 10.34% | 10.19% | 10.41% | 11.70% | 11.30% | 9.53% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.68% | 33.30% | 37.01% | n/a | n/a | |