Los Angeles, CA · Cert 26732
FDIC
Q2 2026
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 | 3.55% | 1.87% | 2.17% | 4.63% | 3.92% | 2.52% | 9.74% | 6.07% | +144 bps | |
| Return on Equity | 6.10% | 3.25% | 3.79% | 8.27% | 7.37% | 4.90% | 18.89% | 11.80% | +352 bps | |
| Net Interest Margin | 3.82% | 3.60% | 3.89% | 3.44% | 3.52% | 3.20% | 2.97% | 3.01% | -43 bps | |
| Efficiency Ratio | 90.38% | 92.62% | 93.91% | 87.24% | 90.22% | 92.62% | 73.11% | 82.42% | -482 bps | |
| Non-Interest Burden | -1.02% | 0.08% | 0.97% | -2.76% | -1.87% | 0.17% | -9.87% | -5.23% | -247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 8.77% | 8.07% | 13.20% | 18.11% | 19.60% | 21.54% | 19.93% | +673 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 58.86% | 57.50% | 57.38% | 56.77% | 54.72% | 51.21% | 51.93% | 52.83% | -394 bps | |
| Total Risk-Based Capital | 58.86% | 57.50% | 57.38% | 56.77% | 54.72% | 51.21% | 51.93% | 52.83% | -394 bps | |
| Equity / Assets | 57.91% | 57.25% | 57.43% | 54.68% | 51.89% | 50.90% | 52.17% | 50.78% | -390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 66.44% | 68.39% | 72.17% | 73.28% | 76.39% | 78.09% | 79.69% | 78.47% | +519 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |