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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.56% | 0.55% | 0.73% | 0.84% | 0.66% | 0.76% | 0.79% | +6 bps | |
| Return on Equity | 6.04% | 3.65% | 3.60% | 4.74% | 5.43% | 4.32% | 5.03% | 5.24% | +49 bps | |
| Net Interest Margin | 3.03% | 2.78% | 2.79% | 2.91% | 2.90% | 3.03% | 2.91% | 2.93% | +2 bps | |
| Efficiency Ratio | 64.92% | 70.76% | 75.28% | 71.32% | 67.15% | 68.21% | 66.62% | 59.55% | -1,178 bps | |
| Non-Interest Burden | 1.88% | 1.89% | 2.05% | 1.98% | 1.84% | 1.97% | 1.83% | 1.66% | -32 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% | 0.11% | 0.00% | 0.01% | -0.12% | -0.02% | 0.05% | 0.00% | -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 | |