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 (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 | -1.62% | -2.52% | -1.49% | -1.31% | -1.45% | -1.99% | -0.49% | -0.24% | +107 bps | |
| Return on Equity | -14.46% | -24.91% | -15.76% | -13.94% | -15.00% | -21.81% | -4.51% | -1.85% | +1,210 bps | |
| Net Interest Margin | 1.62% | 1.72% | 1.90% | 1.87% | 1.84% | 2.23% | 2.21% | 2.98% | +111 bps | |
| Efficiency Ratio | 202% | 185.68% | 172.51% | 174.98% | 170.61% | 197.37% | 121.72% | 102.86% | -7,212 bps | |
| Non-Interest Burden | 3.29% | 3.26% | 3.23% | 3.27% | 3.25% | 4.24% | 2.70% | 3.06% | -21 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 | |