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 (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 | 1.31% | 0.40% | 1.82% | 2.88% | 3.85% | 2.35% | 3.75% | -4.23% | -710 bps | |
| Return on Equity | 5.40% | 1.58% | 7.45% | 12.63% | 17.54% | 11.23% | 18.20% | -20.17% | -3,280 bps | |
| Net Interest Margin | 3.79% | 3.48% | 4.54% | 5.45% | 5.71% | 3.77% | 5.25% | 5.00% | -45 bps | |
| Efficiency Ratio | 74.93% | 79.89% | 67.90% | 57.84% | 50.97% | 61.64% | 46.97% | 151.58% | +9,374 bps | |
| Non-Interest Burden | 1.77% | 2.04% | 1.91% | 1.61% | 0.17% | -0.01% | 0.06% | 13.82% | +1,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.23% | -27.80% | -15.68% | 17.53% | 33.76% | 54.88% | 39.01% | 20.16% | +263 bps | |
| Loan Growth (YoY) | -30.29% | -38.68% | -23.99% | 23.38% | 31.16% | 61.52% | 40.17% | 12.78% | -1,060 bps | |
| Deposit Growth (YoY) | -54.08% | -57.58% | -49.72% | -13.47% | 41.04% | 64.30% | 40.09% | 1.43% | +1,490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.43% | 0.36% | 0.15% | 0.30% | 0.57% | 0.25% | 0.10% | -6 bps | |
| Net Charge-Offs / Loans | 1.54% | 1.09% | 1.30% | 1.02% | 0.19% | 0.78% | 1.17% | 0.07% | -95 bps | |
| Allowance / Loans | 3.44% | 3.72% | 3.05% | 2.57% | 2.59% | 2.11% | 1.94% | 0.11% | -246 bps | |
| Allowance Coverage of NPLs | 35.4x | 8.6x | 8.4x | 16.6x | 8.6x | 3.7x | 7.9x | 1.1x | -15.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.13% | 26.58% | 26.39% | 24.54% | 26.37% | 26.36% | 22.73% | 21.49% | -305 bps | |
| Total Risk-Based Capital | 39.86% | 41.69% | 36.73% | 34.13% | 34.55% | 30.48% | 32.02% | 31.73% | -241 bps | |
| Equity / Assets | 25.19% | 25.67% | 23.39% | 22.22% | 21.71% | 20.23% | 20.93% | 20.98% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 201% | 216% | 211% | 240% | 186.50% | 212% | 211% | 266% | +2,683 bps | |
| Liquid Assets / Assets | 12.60% | 11.15% | 12.46% | 12.82% | 19.86% | 16.70% | 18.84% | 20.60% | +778 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |