Chula Vista, CA · Cert 26704
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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
12
Profitability
32
Liquidity
0
Efficiency
40
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.
Chula Vista, CA · Cert 26704
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #24 of 42 inst. · $0.2B of $135.0B
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 | -0.55% | -0.44% | -0.49% | -0.31% | -0.45% | -0.51% | -0.60% | -0.70% | -39 bps | |
| Return on Equity | -4.70% | -3.77% | -4.34% | -2.78% | -4.00% | -4.55% | -5.47% | -6.35% | -356 bps | |
| Net Interest Margin | 4.06% | 4.16% | 4.42% | 4.59% | 4.56% | 4.78% | 4.82% | 4.89% | +30 bps | |
| Efficiency Ratio | 81.39% | 78.85% | 80.13% | 76.33% | 76.73% | 75.65% | 68.95% | 69.05% | -728 bps | |
| Non-Interest Burden | 3.28% | 3.25% | 3.52% | 3.46% | 3.47% | 3.57% | 3.24% | 3.30% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.10% | 4.17% | -0.64% | 1.47% | -0.46% | -2.95% | -1.93% | -5.81% | -729 bps | |
| Loan Growth (YoY) | 7.42% | 1.32% | 1.45% | 0.05% | -3.08% | -1.50% | -5.28% | -8.17% | -821 bps | |
| Deposit Growth (YoY) | 9.93% | 5.40% | -0.21% | 2.07% | -0.15% | -2.96% | -1.53% | -5.77% | -783 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.41% | 0.24% | 0.31% | 0.40% | 0.49% | 0.97% | 1.14% | +84 bps | |
| Net Charge-Offs / Loans | 1.63% | 1.70% | 2.16% | 1.98% | 2.07% | 2.14% | 2.36% | 2.57% | +60 bps | |
| Allowance / Loans | 2.24% | 2.29% | 2.12% | 2.09% | 2.12% | 2.27% | 2.38% | 2.55% | +46 bps | |
| Allowance Coverage of NPLs | 7.5x | 5.6x | 8.9x | 6.9x | 5.3x | 4.7x | 2.4x | 2.2x | -4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.30% | 11.17% | 11.20% | 11.18% | 10.83% | 10.66% | 10.76% | 10.61% | -57 bps | |
| Total Risk-Based Capital | 11.30% | 11.17% | 11.20% | 11.18% | 10.83% | 10.66% | 10.76% | 10.61% | -57 bps | |
| Equity / Assets | 11.19% | 11.26% | 11.30% | 11.19% | 10.88% | 11.08% | 10.97% | 11.15% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.21% | 102.34% | 106.13% | 104.63% | 102.12% | 103.88% | 102.10% | 101.96% | -266 bps | |
| Liquid Assets / Assets | 5.16% | 7.06% | 3.81% | 5.10% | 7.52% | 5.18% | 6.56% | 6.14% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | 239% | 244% | n/a | n/a | |
Chula Vista, CA · Cert 26704 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
-0.72%
Rank 735 of 746
Net Interest Margin
4.89%
Rank 38 of 746
Efficiency Ratio
69.05%
Rank 450 of 746
Equity / Assets
11.15%
Rank 311 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.72% | 0.72% | 1.06% | 1.45% | Beats 1% | 735 / 746 | ||
| Return on Equity | -6.45% | 6.74% | 10.51% | 13.63% | Beats 1% | 736 / 746 | ||
| Net Interest Margin | 4.89% | 3.17% | 3.68% | 4.16% | Beats 95% | 38 / 746 | ||
| Efficiency Ratio | 69.05% | 55.74% | 64.58% | 75.47% | Beats 40% | 450 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.42% | 1.07% | Beats 23% | 571 / 743 | ||
| Net Charge-Offs / Loans | 1.40% | 0.00% | 0.01% | 0.05% | Beats 1% | 739 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.61% | 11.55% | 13.75% | 17.60% | Beats 15% | 633 / 746 | ||
| Total Risk-Based Capital Ratio | 10.61% | 11.71% | 14.33% | 18.43% | Beats 14% | 643 / 746 | ||
| Equity / Assets | 11.15% | 8.90% | 10.51% | 13.06% | Beats 58% | 311 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.96% | 61.31% | 78.27% | 90.78% | 92nd pctl | 61 / 746 | ||
| Loans / Assets | 90.04% | 53.60% | 66.97% | 76.08% | 99th pctl | 8 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||