Los Angeles, CA · Cert 26732
FDIC
Q2 2026
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 | 2.93% | 2.66% | 2.17% | 3.41% | 3.58% | 3.30% | 9.74% | 7.84% | +443 bps | |
| Return on Equity | 4.99% | 4.55% | 3.79% | 6.04% | 6.49% | 6.09% | 18.89% | 15.30% | +925 bps | |
| Net Interest Margin | 3.63% | 3.53% | 3.89% | 3.61% | 3.45% | 3.19% | 2.97% | 2.97% | -63 bps | |
| Efficiency Ratio | 91.79% | 92.00% | 93.91% | 90.49% | 90.39% | 90.91% | 73.11% | 77.75% | -1,274 bps | |
| Non-Interest Burden | -0.32% | -0.22% | 0.97% | -0.91% | -1.19% | -0.79% | -9.87% | -7.49% | -658 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 | |