San Diego, CA · Cert 26271
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #26 of 42 inst. · $0.2B 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 | 1.56% | 1.74% | 1.19% | 1.93% | 2.16% | 1.96% | 1.59% | 2.20% | +28 bps | |
| Return on Equity | 12.95% | 14.23% | 9.99% | 16.01% | 17.54% | 15.78% | 13.10% | 18.38% | +237 bps | |
| Net Interest Margin | 4.09% | 3.94% | 3.90% | 4.13% | 4.41% | 4.31% | 4.44% | 4.44% | +30 bps | |
| Efficiency Ratio | 44.93% | 45.25% | 62.62% | 41.98% | 39.33% | 43.19% | 54.84% | 37.83% | -416 bps | |
| Non-Interest Burden | 1.76% | 1.73% | 2.40% | 1.67% | 1.63% | 1.80% | 2.40% | 1.63% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 3.70% | 8.27% | 3.16% | 5.80% | 2.77% | 0.44% | 1.80% | -137 bps | |
| Loan Growth (YoY) | -0.74% | 4.57% | 8.01% | 2.88% | 8.89% | 2.48% | 1.57% | 3.38% | +50 bps | |
| Deposit Growth (YoY) | 6.25% | 3.58% | 12.07% | 8.52% | 1.22% | 3.47% | -5.56% | -6.41% | -1,492 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.07% | 1.03% | 1.05% | 0.99% | 1.02% | 0.99% | 0.99% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 39.0x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.15% | 12.26% | 11.93% | 12.35% | 12.45% | 12.53% | 11.98% | 12.27% | -8 bps | |
| Total Risk-Based Capital | 12.15% | 12.26% | 11.93% | 12.35% | 12.45% | 12.53% | 11.98% | 12.27% | -8 bps | |
| Equity / Assets | 12.22% | 12.21% | 11.70% | 12.36% | 12.23% | 12.61% | 11.71% | 12.26% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.68% | 117.64% | 113.36% | 110.83% | 119.07% | 116.52% | 121.93% | 122.43% | +1,159 bps | |
| Liquid Assets / Assets | 7.72% | 5.15% | 6.64% | 7.80% | 5.98% | 6.08% | 6.26% | 6.45% | -135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 573% | 560% | 603% | n/a | n/a | |