Tustin, CA · Cert 32908 · Saddleback Bcorp
State charter, non-member · FDIC · 1 branch
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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
54
Profitability
66
Liquidity
67
Efficiency
39
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.
Tustin, CA · Cert 32908 · Saddleback Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #96 of 107 inst. · $0.1B 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 | 0.75% | 0.73% | 0.59% | 0.54% | 0.49% | 0.52% | 0.96% | 0.89% | +35 bps | |
| Return on Equity | 5.18% | 5.05% | 4.17% | 3.80% | 3.32% | 3.50% | 6.17% | 5.77% | +197 bps | |
| Net Interest Margin | 5.49% | 5.45% | 5.11% | 5.27% | 5.30% | 5.24% | 5.35% | 5.35% | +8 bps | |
| Efficiency Ratio | 79.90% | 80.57% | 82.28% | 83.78% | 84.47% | 84.02% | 73.07% | 74.51% | -926 bps | |
| Non-Interest Burden | 4.34% | 4.34% | 4.17% | 4.36% | 4.43% | 4.36% | 3.84% | 3.92% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | 5.24% | 9.40% | 0.67% | -2.83% | 3.55% | 5.34% | 7.00% | +633 bps | |
| Loan Growth (YoY) | 18.28% | 9.93% | 6.36% | -3.07% | -7.34% | -0.24% | 10.33% | 12.47% | +1,555 bps | |
| Deposit Growth (YoY) | 1.23% | 1.68% | 13.15% | 2.38% | 0.22% | 11.75% | 5.34% | 9.76% | +738 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.03% | 0.02% | 0.00% | 0.00% | 0.01% | 0.04% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.27% | 0.26% | 0.27% | 0.31% | 0.28% | 0.35% | 0.38% | +11 bps | |
| Allowance / Loans | 3.29% | 3.36% | 3.48% | 3.47% | 3.55% | 3.37% | 3.16% | 3.09% | -39 bps | |
| Allowance Coverage of NPLs | 361.7x | 127.6x | 166.9x | n/a | n/a | 434.0x | 83.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.01% | 13.94% | 14.20% | 14.47% | 16.38% | 16.01% | 15.66% | 15.46% | +99 bps | |
| Total Risk-Based Capital | 14.01% | 13.94% | 14.20% | 14.47% | 16.38% | 16.01% | 15.66% | 15.46% | +99 bps | |
| Equity / Assets | 13.83% | 14.32% | 13.99% | 14.14% | 16.17% | 15.76% | 15.26% | 15.41% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.93% | 105.17% | 91.98% | 98.71% | 95.17% | 93.89% | 96.34% | 101.15% | +244 bps | |
| Liquid Assets / Assets | 12.52% | 9.72% | 13.64% | 11.86% | 11.85% | 7.74% | 8.60% | 7.42% | -444 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 217% | 226% | 226% | n/a | n/a | |
Tustin, CA · Cert 32908 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Saddleback Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.88%
Rank 13 of 28
Net Interest Margin
5.35%
Rank 4 of 28
Efficiency Ratio
74.51%
Rank 18 of 28
Equity / Assets
15.41%
Rank 14 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.39% | 0.81% | 1.45% | Beats 54% | 13 / 28 | ||
| Return on Equity | 5.69% | 2.58% | 5.09% | 9.10% | Beats 57% | 12 / 28 | ||
| Net Interest Margin | 5.35% | 3.22% | 3.68% | 4.12% | Beats 86% | 4 / 28 | ||
| Efficiency Ratio | 74.51% | 56.77% | 70.25% | 85.37% | Beats 39% | 18 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.26% | 1.61% | Beats 100% | 9 / 27 | ||
| Net Charge-Offs / Loans | 0.23% | n/a | n/a | 0.02% | Beats 7% | 26 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.46% | 13.70% | 16.46% | 19.75% | Beats 32% | 19 / 28 | ||
| Total Risk-Based Capital Ratio | 15.46% | 14.96% | 17.60% | 20.63% | Beats 29% | 20 / 28 | ||
| Equity / Assets | 15.41% | 11.97% | 15.41% | 17.42% | Beats 50% | 14 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.15% | 84.00% | 97.95% | 102.47% | 64th pctl | 10 / 28 | ||
| Loans / Assets | 81.19% | 69.18% | 76.59% | 81.19% | 75th pctl | 7 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||