Los Angeles, CA · Cert 33539
State charter, non-member · FDIC · 16 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
21
Profitability
75
Liquidity
83
Efficiency
79
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.
Los Angeles, CA · Cert 33539
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.8% share · #20 of 107 inst. · $5.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.92% | 1.71% | 1.77% | 1.83% | 1.84% | 1.63% | 1.69% | -8 bps | |
| Return on Equity | 18.68% | 17.99% | 15.58% | 16.48% | 17.19% | 17.33% | 15.97% | 16.49% | +2 bps | |
| Net Interest Margin | 3.96% | 3.92% | 3.61% | 3.62% | 3.61% | 3.56% | 3.45% | 3.52% | -10 bps | |
| Efficiency Ratio | 28.39% | 31.05% | 33.70% | 32.01% | 30.70% | 30.41% | 33.80% | 33.01% | +100 bps | |
| Non-Interest Burden | 1.01% | 1.10% | 1.12% | 1.06% | 1.00% | 0.95% | 1.02% | 1.03% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 3.97% | 5.09% | 6.32% | 8.66% | 9.78% | 7.81% | 6.20% | -12 bps | |
| Loan Growth (YoY) | 8.63% | 7.02% | 5.79% | 5.67% | 5.39% | 7.28% | 8.68% | 9.25% | +358 bps | |
| Deposit Growth (YoY) | 3.32% | 3.67% | 4.67% | 3.42% | 6.18% | 7.25% | 5.82% | 6.46% | +304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.17% | 1.40% | 0.91% | 0.30% | 0.85% | 2.76% | 1.57% | +66 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.34% | -0.01% | 0.00% | 0.04% | 0.03% | 0.36% | 0.17% | +17 bps | |
| Allowance / Loans | 1.36% | 1.26% | 1.28% | 1.28% | 1.27% | 1.30% | 1.22% | 1.21% | -7 bps | |
| Allowance Coverage of NPLs | 3.9x | 7.6x | 0.9x | 1.4x | 4.2x | 1.5x | 0.4x | 0.8x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 11.33% | 11.52% | 10.73% | 10.66% | 10.54% | 10.37% | 10.55% | -18 bps | |
| Total Risk-Based Capital | 15.06% | 15.11% | 15.15% | 14.43% | 14.56% | 14.47% | 13.98% | 13.74% | -69 bps | |
| Equity / Assets | 10.91% | 11.02% | 10.97% | 10.27% | 10.39% | 10.39% | 10.06% | 10.26% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.02% | 95.48% | 92.87% | 94.48% | 94.31% | 95.51% | 95.38% | 96.95% | +247 bps | |
| Liquid Assets / Assets | 11.54% | 11.18% | 12.89% | 10.81% | 10.77% | 10.71% | 10.64% | 9.82% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 463% | 483% | n/a | n/a | |
Los Angeles, CA · Cert 33539 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19)
State charter, non-member · FDIC · 16 branches
Q2 2026
Return on Assets
1.67%
Rank 4 of 19
Net Interest Margin
3.52%
Rank 6 of 19
Efficiency Ratio
33.01%
Rank 5 of 19
Equity / Assets
10.26%
Rank 13 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 1.10% | 1.26% | 1.57% | Beats 79% | 4 / 19 | ||
| Return on Equity | 16.30% | 8.62% | 11.28% | 14.70% | Beats 79% | 4 / 19 | ||
| Net Interest Margin | 3.52% | 3.07% | 3.30% | 3.62% | Beats 68% | 6 / 19 | ||
| Efficiency Ratio | 33.01% | 33.01% | 51.12% | 56.65% | Beats 79% | 5 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.57% | 0.37% | 0.80% | 1.55% | Beats 24% | 14 / 17 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 18% | 15 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.06% | 12.10% | 14.67% | 23.92% | Beats 11% | 17 / 19 | ||
| Total Risk-Based Capital Ratio | 13.74% | 13.35% | 14.67% | 24.05% | Beats 32% | 13 / 19 | ||
| Equity / Assets | 10.26% | 9.84% | 11.18% | 14.01% | Beats 32% | 13 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.95% | 79.34% | 95.16% | 100.04% | 68th pctl | 6 / 19 | ||
| Loans / Assets | 81.22% | 69.86% | 77.55% | 83.04% | 63rd pctl | 7 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||