Claremont, CA · Cert 26363
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
65
Profitability
37
Liquidity
74
Efficiency
57
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Claremont, CA · Cert 26363
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #72 of 107 inst. · $0.3B of $667.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.70% | 0.55% | 0.64% | 0.71% | 0.70% | 0.76% | 0.78% | +13 bps | |
| Return on Equity | 4.85% | 4.55% | 3.60% | 4.17% | 4.59% | 4.53% | 5.03% | 5.13% | +96 bps | |
| Net Interest Margin | 2.86% | 2.83% | 2.79% | 2.87% | 2.85% | 2.89% | 2.91% | 2.90% | +4 bps | |
| Efficiency Ratio | 68.89% | 69.35% | 75.28% | 73.23% | 71.15% | 70.38% | 66.62% | 63.10% | -1,013 bps | |
| Non-Interest Burden | 1.89% | 1.89% | 2.05% | 2.03% | 1.95% | 1.95% | 1.83% | 1.74% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.21% | 5.87% | 1.95% | 1.25% | 0.86% | 2.80% | 4.56% | 6.45% | +520 bps | |
| Loan Growth (YoY) | 7.00% | 5.34% | 0.49% | 0.34% | -0.96% | 1.97% | 5.62% | 8.12% | +778 bps | |
| Deposit Growth (YoY) | 8.56% | 11.57% | 4.29% | -0.37% | -1.04% | 1.06% | 3.17% | 6.38% | +675 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.01% | -0.03% | -0.03% | 0.05% | 0.02% | +1 bps | |
| Allowance / Loans | 1.15% | 1.14% | 1.16% | 1.16% | 1.16% | 1.12% | 1.10% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 36.1x | 1132.7x | 1699.0x | 3398.0x | n/a | 99.9x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.40% | 15.44% | 15.36% | 15.69% | 15.63% | 15.64% | 15.28% | 15.25% | -43 bps | |
| Total Risk-Based Capital | 20.04% | 19.96% | 20.34% | 20.16% | 20.38% | 19.70% | 19.46% | 19.13% | -103 bps | |
| Equity / Assets | 15.32% | 15.18% | 15.43% | 15.47% | 15.55% | 15.15% | 15.19% | 14.99% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.74% | 96.68% | 96.73% | 98.46% | 97.82% | 97.54% | 99.03% | 100.08% | +161 bps | |
| Liquid Assets / Assets | 15.85% | 16.97% | 17.36% | 16.31% | 17.08% | 16.05% | 14.79% | 14.87% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 289% | 300% | 300% | n/a | n/a | |
Claremont, CA · Cert 26363 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.76%
Rank 16 of 28
Net Interest Margin
2.90%
Rank 23 of 28
Efficiency Ratio
63.10%
Rank 13 of 28
Equity / Assets
14.99%
Rank 15 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.39% | 0.81% | 1.45% | Beats 43% | 16 / 28 | ||
| Return on Equity | 5.09% | 2.58% | 5.09% | 9.10% | Beats 50% | 14 / 28 | ||
| Net Interest Margin | 2.90% | 3.22% | 3.68% | 4.12% | Beats 18% | 23 / 28 | ||
| Efficiency Ratio | 63.10% | 56.77% | 70.25% | 85.37% | Beats 57% | 13 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.26% | 1.61% | Beats 100% | 9 / 27 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | n/a | 0.02% | Beats 30% | 20 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.10% | 13.70% | 16.46% | 19.75% | Beats 61% | 11 / 28 | ||
| Total Risk-Based Capital Ratio | 19.13% | 14.96% | 17.60% | 20.63% | Beats 64% | 10 / 28 | ||
| Equity / Assets | 14.99% | 11.97% | 15.41% | 17.42% | Beats 46% | 15 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.08% | 84.00% | 97.95% | 102.47% | 61st pctl | 11 / 28 | ||
| Loans / Assets | 75.16% | 69.18% | 76.59% | 81.19% | 46th pctl | 15 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||