San Francisco, CA · Cert 32961
FDIC
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.60% | 15.81% | 30.54% | 14.54% | 22.84% | +1,024 bps | |
| Return on Equity | 15.59% | 19.79% | 39.28% | 18.73% | 29.35% | +1,375 bps | |
| Net Interest Margin | 0.83% | 0.77% | 0.68% | 0.67% | 0.70% | -13 bps | |
| Efficiency Ratio | 52.97% | 50.63% | 38.32% | 58.58% | 44.86% | -811 bps | |
| Non-Interest Burden | -16.27% | -20.07% | -39.32% | -17.61% | -29.23% | -1,297 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 |