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 | |