West Covina, CA · Cert 30722 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Universal Financial Inc.
State savings bank · OCC · 5 branches
Q2 2026
$388.0MAssets
$261.6MLoans
$275.1MDeposits
$66.8MEquity
Executive Summary
Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 25 of 27).
Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.35%
Rank 22 of 28
Net Interest Margin
2.74%
Rank 24 of 28
Efficiency Ratio
83.38%
Rank 21 of 28
Equity / Assets
17.21%
Rank 8 of 28
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 29% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area