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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.84% | 0.66% | 0.76% | 0.79% | +6 bps | |
| Return on Equity | 4.74% | 5.43% | 4.32% | 5.03% | 5.24% | +49 bps | |
| Net Interest Margin | 2.91% | 2.90% | 3.03% | 2.91% | 2.93% | +2 bps | |
| Efficiency Ratio | 71.32% | 67.15% | 68.21% | 66.62% | 59.55% | -1,178 bps | |
| Non-Interest Burden | 1.98% | 1.84% | 1.97% | 1.83% | 1.66% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.25% | 0.86% | 2.80% | 4.56% | 6.45% | +520 bps | |
| Loan Growth (YoY) | 0.34% | -0.96% | 1.97% | 5.62% | 8.12% | +778 bps | |
| Deposit Growth (YoY) | -0.37% | -1.04% | 1.06% | 3.17% | 6.38% | +675 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.12% | -0.02% | 0.05% | 0.00% | -1 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.12% | 1.10% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 3398.0x | n/a | 99.9x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.69% | 15.63% | 15.64% | 15.28% | 15.25% | -43 bps | |
| Total Risk-Based Capital | 20.16% | 20.38% | 19.70% | 19.46% | 19.13% | -103 bps | |
| Equity / Assets | 15.47% | 15.55% | 15.15% | 15.19% | 14.99% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.46% | 97.82% | 97.54% | 99.03% | 100.08% | +161 bps | |
| Liquid Assets / Assets | 16.31% | 17.08% | 16.05% | 14.79% | 14.87% | -143 bps | |
| CRE / Total Capital | n/a | 289% | 300% | 300% | n/a | n/a | |