Costa Mesa, CA · Cert 32172
FDIC · 58 branches
Q2 2025
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2025 SOD (annual) · 1.4% share · #13 of 107 inst. · $9.3B of $665.2B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.01% | 0.97% | 0.91% | 0.89% | -16 bps | |
| Return on Equity | 6.21% | 5.89% | 5.64% | 5.18% | 5.11% | -110 bps | |
| Net Interest Margin | 3.29% | 3.28% | 3.22% | 2.97% | 3.02% | -26 bps | |
| Efficiency Ratio | 56.87% | 58.63% | 59.99% | 63.69% | 64.67% | +780 bps | |
| Non-Interest Burden | 1.63% | 1.70% | 1.72% | 1.68% | 1.75% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.68% | -11.68% | -5.93% | -3.89% | -2.94% | +874 bps | |
| Loan Growth (YoY) | -8.24% | -9.30% | -9.37% | -7.59% | -4.70% | +354 bps | |
| Deposit Growth (YoY) | -11.64% | -9.59% | -3.42% | -3.59% | -0.82% | +1,083 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.32% | 0.24% | 0.23% | 0.22% | -20 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.21% | 0.17% | -0.01% | -0.01% | -28 bps | |
| Allowance / Loans | 1.47% | 1.51% | 1.48% | 1.45% | 1.43% | -4 bps | |
| Allowance Coverage of NPLs | 3.5x | 4.6x | 6.2x | 6.3x | 6.5x | +3.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.42% | 13.45% | 13.41% | 13.62% | 12.84% | -58 bps | |
| Total Risk-Based Capital | 19.22% | 19.81% | 19.82% | 20.07% | 18.85% | -37 bps | |
| Equity / Assets | 17.44% | 17.65% | 17.57% | 17.66% | 17.15% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.99% | 82.68% | 82.70% | 81.69% | 81.66% | -333 bps | |
| Liquid Assets / Assets | 13.36% | 14.17% | 12.32% | 12.83% | 13.01% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |