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 | |