San Marcos, CA · Cert 25803
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.0% share · #41 of 42 inst. · $0.0B of $135.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.38% | 2.92% | 2.76% | 3.75% | 0.24% | -215 bps | |
| Return on Equity | 10.08% | 12.66% | 12.32% | 18.20% | 1.14% | -894 bps | |
| Net Interest Margin | 4.76% | 5.15% | 4.68% | 5.25% | 5.10% | +34 bps | |
| Efficiency Ratio | 62.34% | 57.76% | 58.80% | 46.97% | 151.58% | +8,924 bps | |
| Non-Interest Burden | 1.66% | 1.19% | 0.86% | 0.06% | 6.94% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.53% | 33.76% | 54.88% | 39.01% | 20.16% | +263 bps | |
| Loan Growth (YoY) | 23.38% | 31.16% | 61.52% | 40.17% | 12.78% | -1,060 bps | |
| Deposit Growth (YoY) | -13.47% | 41.04% | 64.30% | 40.09% | 1.43% | +1,490 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.30% | 0.57% | 0.25% | 0.10% | -6 bps | |
| Net Charge-Offs / Loans | 1.08% | 0.77% | 0.68% | 1.17% | 0.68% | -40 bps | |
| Allowance / Loans | 2.57% | 2.59% | 2.11% | 1.94% | 0.11% | -246 bps | |
| Allowance Coverage of NPLs | 16.6x | 8.6x | 3.7x | 7.9x | 1.1x | -15.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 24.54% | 26.37% | 26.36% | 22.73% | 21.49% | -305 bps | |
| Total Risk-Based Capital | 34.13% | 34.55% | 30.48% | 32.02% | 31.73% | -241 bps | |
| Equity / Assets | 22.22% | 21.71% | 20.23% | 20.93% | 20.98% | -124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 240% | 186.50% | 212% | 211% | 266% | +2,683 bps | |
| Liquid Assets / Assets | 12.82% | 19.86% | 16.70% | 18.84% | 20.60% | +778 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |