San Gabriel, CA · Cert 33013
National charter · OCC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #98 of 107 inst. · $0.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.51% | 0.57% | 0.61% | 0.80% | +41 bps | |
| Return on Equity | 2.05% | 2.69% | 2.95% | 3.13% | 4.07% | +202 bps | |
| Net Interest Margin | 2.85% | 2.86% | 2.97% | 3.10% | 3.26% | +41 bps | |
| Efficiency Ratio | 83.59% | 79.50% | 78.15% | 75.97% | 70.25% | -1,334 bps | |
| Non-Interest Burden | 2.34% | 2.23% | 2.28% | 2.31% | 2.23% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | 2.09% | 2.90% | 2.73% | 1.52% | +330 bps | |
| Loan Growth (YoY) | -4.52% | 6.60% | 8.72% | 10.20% | 25.21% | +2,974 bps | |
| Deposit Growth (YoY) | -4.00% | 2.93% | 3.84% | 3.48% | 2.21% | +621 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 2.08% | 1.83% | 1.89% | 1.86% | 1.66% | -42 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.75% | 18.82% | 19.00% | 20.04% | 20.07% | +32 bps | |
| Total Risk-Based Capital | 19.75% | 18.82% | 19.00% | 20.04% | 20.07% | +32 bps | |
| Equity / Assets | 19.35% | 18.92% | 19.36% | 19.68% | 19.89% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.36% | 68.10% | 67.34% | 69.09% | 77.62% | +1,426 bps | |
| Liquid Assets / Assets | 29.92% | 26.72% | 30.49% | 31.85% | 24.31% | -561 bps | |
| CRE / Total Capital | n/a | 278% | 268% | 269% | n/a | n/a | |