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 | |