Scottsdale, AZ · Cert 29087 · Bancorp 34 Inc.
SL · OCC · 8 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.2% share · #27 of 55 inst. · $0.3B of $192.0B
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 | 0.85% | 0.18% | 1.14% | 1.08% | 0.87% | 0.82% | 0.85% | 0.94% | -14 bps | |
| Return on Equity | 7.61% | 1.62% | 9.85% | 9.15% | 6.95% | 6.25% | 6.46% | 7.03% | -212 bps | |
| Net Interest Margin | 3.79% | 3.72% | 3.60% | 3.63% | 3.46% | 3.65% | 3.81% | 3.78% | +14 bps | |
| Efficiency Ratio | 66.32% | 88.91% | 72.87% | 72.07% | 73.54% | 71.33% | 68.21% | 66.84% | -523 bps | |
| Non-Interest Burden | 2.64% | 3.44% | 2.73% | 2.74% | 2.66% | 2.72% | 2.71% | 2.58% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.41% | 57.87% | -3.63% | 1.06% | -4.25% | -2.24% | -2.64% | -3.74% | -481 bps | |
| Loan Growth (YoY) | 46.42% | 47.93% | -9.82% | -8.04% | -1.79% | 5.38% | 4.35% | 4.55% | +1,258 bps | |
| Deposit Growth (YoY) | 61.80% | 66.29% | -0.67% | 3.08% | -3.34% | -4.31% | -4.31% | -5.61% | -868 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.70% | 0.84% | 0.64% | 1.73% | 1.60% | 1.83% | 0.67% | +2 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.07% | -0.90% | -0.92% | 0.03% | 0.00% | 0.27% | 0.31% | +123 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.50% | 1.55% | 1.41% | 1.37% | 1.31% | 1.23% | -32 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.2x | 1.8x | 2.4x | 0.8x | 0.9x | 0.7x | 1.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.98% | 11.06% | 11.10% | 11.86% | 12.26% | 12.90% | 13.16% | 13.36% | +150 bps | |
| Total Risk-Based Capital | 14.28% | 15.00% | 14.81% | 15.44% | 15.54% | 15.42% | 15.93% | 16.25% | +82 bps | |
| Equity / Assets | 11.28% | 11.50% | 11.60% | 12.01% | 12.97% | 13.24% | 13.11% | 13.70% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.09% | 84.82% | 82.70% | 84.73% | 90.52% | 93.41% | 90.19% | 93.84% | +912 bps | |
| Liquid Assets / Assets | 7.26% | 12.42% | 13.24% | 10.76% | 5.83% | 3.89% | 7.07% | 4.70% | -606 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 460% | 474% | 469% | n/a | n/a | |