Palos Verdes Estates, CA · Cert 32282 · Malaga Financial Corp.
State savings bank · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
100
Profitability
58
Liquidity
0
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Palos Verdes Estates, CA · Cert 32282 · Malaga Financial Corp.
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #44 of 107 inst. · $0.9B of $667.8B
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 | 1.67% | 1.64% | 1.60% | 1.63% | 1.62% | 1.59% | 1.74% | 1.69% | +6 bps | |
| Return on Equity | 11.21% | 10.90% | 10.00% | 10.06% | 9.99% | 9.77% | 10.57% | 10.19% | +13 bps | |
| Net Interest Margin | 3.24% | 3.25% | 3.26% | 3.27% | 3.21% | 3.15% | 3.36% | 3.30% | +3 bps | |
| Efficiency Ratio | 28.76% | 29.12% | 31.44% | 30.48% | 30.21% | 31.42% | 27.76% | 29.04% | -144 bps | |
| Non-Interest Burden | 0.84% | 0.86% | 0.98% | 0.95% | 0.92% | 0.94% | 0.89% | 0.91% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.66% | -4.18% | -5.12% | -1.97% | 1.76% | 1.55% | 4.44% | 3.75% | +571 bps | |
| Loan Growth (YoY) | -3.91% | -2.38% | -2.92% | -2.17% | -1.64% | -0.15% | 0.73% | 2.72% | +489 bps | |
| Deposit Growth (YoY) | -9.39% | -0.11% | 2.30% | 1.09% | 3.20% | 0.50% | -0.10% | 1.55% | +47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.30% | 0.30% | 0.30% | 0.30% | 0.31% | 0.31% | 0.31% | 0.31% | 0 bps | |
| Allowance Coverage of NPLs | 72.9x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.59% | 15.94% | 16.21% | 16.57% | 16.47% | 16.31% | 16.60% | 16.76% | +19 bps | |
| Total Risk-Based Capital | 27.11% | 28.07% | 28.63% | 28.92% | 29.72% | 29.38% | 28.01% | 27.91% | -101 bps | |
| Equity / Assets | 15.65% | 15.76% | 16.35% | 16.40% | 16.26% | 16.38% | 16.56% | 16.71% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 135.51% | 133.04% | 130.21% | 130.34% | 129.16% | 132.18% | 131.29% | 131.84% | +150 bps | |
| Liquid Assets / Assets | 10.01% | 9.79% | 8.92% | 11.26% | 13.04% | 11.43% | 12.34% | 12.26% | +99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 486% | 493% | 483% | n/a | n/a | |
Palos Verdes Estates, CA · Cert 32282 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Malaga Financial Corp.
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
1.68%
Rank 3 of 19
Net Interest Margin
3.30%
Rank 9 of 19
Efficiency Ratio
29.04%
Rank 2 of 19
Equity / Assets
16.71%
Rank 4 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 1.10% | 1.26% | 1.57% | Beats 84% | 3 / 19 | ||
| Return on Equity | 10.04% | 8.62% | 11.28% | 14.70% | Beats 37% | 12 / 19 | ||
| Net Interest Margin | 3.30% | 3.07% | 3.30% | 3.62% | Beats 53% | 9 / 19 | ||
| Efficiency Ratio | 29.04% | 33.01% | 51.12% | 56.65% | Beats 95% | 2 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.37% | 0.80% | 1.55% | Beats 100% | 1 / 17 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 3 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.47% | 12.10% | 14.67% | 23.92% | Beats 84% | 3 / 19 | ||
| Total Risk-Based Capital Ratio | 27.91% | 13.35% | 14.67% | 24.05% | Beats 84% | 3 / 19 | ||
| Equity / Assets | 16.71% | 9.84% | 11.18% | 14.01% | Beats 79% | 4 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 131.84% | 79.34% | 95.16% | 100.04% | 95th pctl | 1 / 19 | ||
| Loans / Assets | 85.73% | 69.86% | 77.55% | 83.04% | 89th pctl | 2 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||