Santa Rosa, CA · Cert 32203
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Santa Rosa-Petaluma, CA · 2026 SOD (annual) · 4.3% share · #7 of 14 inst. · $0.8B of $19.7B
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 | 0.36% | -0.38% | 0.94% | 0.93% | 0.73% | 0.66% | 0.67% | 0.07% | -86 bps | |
| Return on Equity | 3.99% | -4.31% | 10.67% | 10.33% | 7.94% | 6.99% | 6.57% | 0.72% | -961 bps | |
| Net Interest Margin | 2.66% | 2.69% | 3.06% | 3.32% | 3.42% | 3.45% | 3.62% | 3.79% | +47 bps | |
| Efficiency Ratio | 78.07% | 76.63% | 71.49% | 68.72% | 64.96% | 67.25% | 66.82% | 64.01% | -472 bps | |
| Non-Interest Burden | 1.99% | 2.36% | 2.12% | 2.22% | 2.14% | 2.31% | 2.29% | 2.28% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -4.94% | -1.56% | -4.58% | -10.03% | -5.86% | -6.34% | -7.04% | -246 bps | |
| Loan Growth (YoY) | -1.54% | -3.68% | -4.52% | -6.41% | -8.62% | -7.89% | -11.15% | -12.59% | -618 bps | |
| Deposit Growth (YoY) | -2.72% | -4.67% | 1.90% | -4.55% | -11.37% | -7.42% | -8.13% | -8.29% | -374 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.95% | 3.02% | 1.96% | 1.07% | 2.76% | 2.96% | 4.15% | 2.43% | +136 bps | |
| Net Charge-Offs / Loans | 0.15% | 1.02% | -0.23% | 0.00% | 0.28% | 0.21% | 0.00% | 2.28% | +228 bps | |
| Allowance / Loans | 1.66% | 1.49% | 1.53% | 1.51% | 1.65% | 1.71% | 1.96% | 1.69% | +18 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.8x | 1.4x | 0.6x | 0.6x | 0.5x | 0.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 8.87% | 9.45% | 9.84% | 10.24% | 10.37% | 10.67% | 10.84% | +100 bps | |
| Total Risk-Based Capital | 12.13% | 11.89% | 12.43% | 12.94% | 13.20% | 13.69% | 14.60% | 14.80% | +186 bps | |
| Equity / Assets | 9.00% | 8.60% | 8.97% | 9.50% | 9.91% | 10.07% | 10.31% | 10.56% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.03% | 95.45% | 93.09% | 94.10% | 95.91% | 94.97% | 90.04% | 89.69% | -441 bps | |
| Liquid Assets / Assets | 6.00% | 4.11% | 5.82% | 5.08% | 4.72% | 5.86% | 10.71% | 10.67% | +559 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 662% | 643% | 593% | n/a | n/a | |