Oakland, CA · Cert 33103
State savings bank · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
56
Profitability
8
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oakland, CA · Cert 33103
State savings bank · OCC · 2 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #46 of 69 inst. · $0.2B of $513.2B
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 | -1.51% | -1.79% | -1.49% | -1.41% | -1.43% | -1.55% | -0.49% | -0.36% | +105 bps | |
| Return on Equity | -12.44% | -15.49% | -15.76% | -14.85% | -14.90% | -16.58% | -4.51% | -3.15% | +1,171 bps | |
| Net Interest Margin | 1.64% | 1.57% | 1.90% | 1.91% | 1.94% | 2.02% | 2.21% | 2.54% | +63 bps | |
| Efficiency Ratio | 173.68% | 176.98% | 172.51% | 173.74% | 172.68% | 179.06% | 121.72% | 110.67% | -6,307 bps | |
| Non-Interest Burden | 2.89% | 2.83% | 3.23% | 3.30% | 3.37% | 3.60% | 2.70% | 2.81% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.61% | 29.58% | 16.74% | 11.07% | -6.64% | 1.69% | 11.23% | 17.07% | +601 bps | |
| Loan Growth (YoY) | 21.88% | 28.03% | 30.14% | 5.86% | 7.55% | 13.34% | 23.82% | 35.14% | +2,928 bps | |
| Deposit Growth (YoY) | 34.78% | 35.77% | 20.18% | 13.47% | -6.22% | -11.22% | -12.14% | -7.06% | -2,053 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 1.14% | 1.22% | 2.67% | 2.25% | 3.42% | 3.11% | 2.15% | -52 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 | 1.12% | 1.30% | 1.36% | 1.38% | 1.41% | 1.18% | 1.09% | 1.07% | -31 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.1x | 1.1x | 0.5x | 0.6x | 0.3x | 0.4x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 11.05% | 10.59% | 10.58% | 10.65% | 10.18% | 14.59% | 13.84% | +325 bps | |
| Total Risk-Based Capital | 12.54% | 11.05% | 10.59% | 10.58% | 10.65% | 10.18% | 14.59% | 13.84% | +325 bps | |
| Equity / Assets | 10.61% | 9.63% | 9.31% | 9.53% | 9.86% | 8.48% | 13.03% | 12.90% | +337 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.35% | 83.01% | 81.63% | 83.08% | 86.42% | 105.97% | 115.03% | 120.81% | +3,772 bps | |
| Liquid Assets / Assets | 15.23% | 7.68% | 10.17% | 8.99% | 6.59% | 3.51% | 5.60% | 2.50% | -649 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 161.07% | 197.85% | 167.82% | n/a | n/a | |
Oakland, CA · Cert 33103 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets
-0.35%
Rank 588 of 629
Net Interest Margin
2.54%
Rank 563 of 629
Efficiency Ratio
110.67%
Rank 595 of 629
Equity / Assets
12.90%
Rank 187 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.35% | 0.60% | 1.01% | 1.45% | Beats 7% | 588 / 629 | ||
| Return on Equity | -2.73% | 5.38% | 9.30% | 13.28% | Beats 6% | 589 / 629 | ||
| Net Interest Margin | 2.54% | 3.03% | 3.54% | 4.05% | Beats 10% | 563 / 629 | ||
| Efficiency Ratio | 110.67% | 58.35% | 67.79% | 79.08% | Beats 6% | 595 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.46% | 1.20% | Beats 12% | 512 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.84% | 11.24% | 13.84% | 18.77% | Beats 50% | 315 / 629 | ||
| Total Risk-Based Capital Ratio | 13.84% | 11.58% | 14.43% | 19.66% | Beats 45% | 348 / 629 | ||
| Equity / Assets | 12.90% | 9.09% | 10.65% | 13.80% | Beats 70% | 187 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 120.81% | 67.24% | 80.90% | 93.48% | 98th pctl | 12 / 594 | ||
| Loans / Assets | 85.55% | 53.31% | 67.71% | 78.15% | 93rd pctl | 41 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||