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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.29% | 0.29% | 0.50% | 0.75% | 0.70% | 0.61% | 0.99% | +49 bps | |
| Return on Equity | 1.08% | 1.53% | 1.51% | 2.59% | 3.94% | 3.68% | 3.13% | 5.02% | +242 bps | |
| Net Interest Margin | 2.60% | 2.82% | 2.71% | 3.00% | 3.20% | 3.26% | 3.10% | 3.45% | +45 bps | |
| Efficiency Ratio | 90.52% | 88.08% | 87.50% | 80.00% | 72.49% | 74.56% | 75.97% | 65.12% | -1,488 bps | |
| Non-Interest Burden | 2.33% | 2.46% | 2.34% | 2.36% | 2.27% | 2.38% | 2.31% | 2.17% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.17% | -2.10% | 0.29% | -1.78% | 2.09% | 2.90% | 2.73% | 1.52% | +330 bps | |
| Loan Growth (YoY) | 25.45% | 15.11% | 10.23% | -4.52% | 6.60% | 8.72% | 10.20% | 25.21% | +2,974 bps | |
| Deposit Growth (YoY) | -1.57% | -2.63% | -1.60% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.95% | 2.05% | 2.05% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.82% | 19.29% | 19.73% | 19.75% | 18.82% | 19.00% | 20.04% | 20.07% | +32 bps | |
| Total Risk-Based Capital | 18.82% | 19.29% | 19.73% | 19.75% | 18.82% | 19.00% | 20.04% | 20.07% | +32 bps | |
| Equity / Assets | 18.40% | 19.01% | 19.34% | 19.35% | 18.92% | 19.36% | 19.68% | 19.89% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.76% | 64.32% | 64.88% | 63.36% | 68.10% | 67.34% | 69.09% | 77.62% | +1,426 bps | |
| Liquid Assets / Assets | 19.53% | 22.54% | 26.70% | 29.92% | 26.72% | 30.49% | 31.85% | 24.31% | -561 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 268% | 269% | n/a | n/a | |