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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.83% | 1.84% | 1.63% | 1.69% | -8 bps | |
| Return on Equity | 16.48% | 17.19% | 17.33% | 15.97% | 16.49% | +2 bps | |
| Net Interest Margin | 3.62% | 3.61% | 3.56% | 3.45% | 3.52% | -10 bps | |
| Efficiency Ratio | 32.01% | 30.70% | 30.41% | 33.80% | 33.01% | +100 bps | |
| Non-Interest Burden | 1.06% | 1.00% | 0.95% | 1.02% | 1.03% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.32% | 8.66% | 9.78% | 7.81% | 6.20% | -12 bps | |
| Loan Growth (YoY) | 5.67% | 5.39% | 7.28% | 8.68% | 9.25% | +358 bps | |
| Deposit Growth (YoY) | 3.42% | 6.18% | 7.25% | 5.82% | 6.46% | +304 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.30% | 0.85% | 2.76% | 1.57% | +66 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.03% | 0.36% | 0.17% | +17 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.30% | 1.22% | 1.21% | -7 bps | |
| Allowance Coverage of NPLs | 1.4x | 4.2x | 1.5x | 0.4x | 0.8x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.73% | 10.66% | 10.54% | 10.37% | 10.55% | -18 bps | |
| Total Risk-Based Capital | 14.43% | 14.56% | 14.47% | 13.98% | 13.74% | -69 bps | |
| Equity / Assets | 10.27% | 10.39% | 10.39% | 10.06% | 10.26% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.48% | 94.31% | 95.51% | 95.38% | 96.95% | +247 bps | |
| Liquid Assets / Assets | 10.81% | 10.77% | 10.71% | 10.64% | 9.82% | -99 bps | |
| CRE / Total Capital | n/a | 444% | 463% | 483% | n/a | n/a | |