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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | -2.66% | 1.09% | 1.01% | 0.91% | 0.86% | 0.91% | 0.87% | -14 bps | |
| Return on Equity | 6.49% | -16.70% | 6.53% | 5.90% | 5.20% | 4.89% | 5.18% | 4.98% | -91 bps | |
| Net Interest Margin | 3.05% | 3.20% | 3.30% | 3.19% | 3.14% | 2.99% | 2.97% | 3.06% | -14 bps | |
| Efficiency Ratio | 56.42% | 57.11% | 55.74% | 58.12% | 62.44% | 64.44% | 63.69% | 65.64% | +752 bps | |
| Non-Interest Burden | 1.55% | 1.63% | 1.57% | 1.66% | 1.77% | 1.74% | 1.68% | 1.82% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -12.28% | -11.93% | -11.68% | -11.68% | -5.93% | -3.89% | -2.94% | +874 bps | |
| Loan Growth (YoY) | -11.00% | -9.47% | -8.19% | -8.24% | -9.30% | -9.37% | -7.59% | -4.70% | +354 bps | |
| Deposit Growth (YoY) | -9.49% | -13.28% | -11.41% | -11.64% | -9.59% | -3.42% | -3.59% | -0.82% | +1,083 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.49% | 0.42% | 0.32% | 0.24% | 0.23% | 0.22% | -20 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.12% | 0.20% | 0.33% | 0.08% | 0.05% | -0.01% | -0.01% | -34 bps | |
| Allowance / Loans | 1.42% | 1.45% | 1.48% | 1.47% | 1.51% | 1.48% | 1.45% | 1.43% | -4 bps | |
| Allowance Coverage of NPLs | 7.4x | 7.8x | 3.0x | 3.5x | 4.6x | 6.2x | 6.3x | 6.5x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.42% | 12.43% | 12.97% | 13.42% | 13.45% | 13.41% | 13.62% | 12.84% | -58 bps | |
| Total Risk-Based Capital | 17.66% | 17.23% | 18.21% | 19.22% | 19.81% | 19.82% | 20.07% | 18.85% | -37 bps | |
| Equity / Assets | 15.37% | 16.53% | 16.85% | 17.44% | 17.65% | 17.57% | 17.66% | 17.15% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.42% | 88.13% | 85.23% | 84.99% | 82.68% | 82.70% | 81.69% | 81.66% | -333 bps | |
| Liquid Assets / Assets | 14.73% | 13.25% | 13.93% | 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 | n/a | n/a | n/a |