San Francisco, CA · Cert 32961
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 11.13% | 12.70% | 17.04% | 14.54% | 18.50% | +737 bps | |
| Return on Equity | 13.84% | 15.84% | 21.46% | 18.73% | 23.92% | +1,008 bps | |
| Net Interest Margin | 0.84% | 0.83% | 0.78% | 0.67% | 0.69% | -15 bps | |
| Efficiency Ratio | 56.65% | 54.42% | 48.55% | 58.58% | 51.05% | -560 bps | |
| Non-Interest Burden | -14.45% | -16.49% | -22.09% | -17.61% | -23.52% | -907 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.18% | -3.51% | 1.38% | -0.78% | 3.32% | +214 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 67.17% | 54.22% | 67.60% | 52.51% | 60.46% | -671 bps | |
| Total Risk-Based Capital | 179.80% | 147.85% | 114.56% | 139.29% | 132.41% | -4,739 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |