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 (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 | 1.95% | 1.75% | 1.71% | 1.83% | 1.95% | 1.85% | 1.63% | 1.74% | -8 bps | |
| Return on Equity | 18.13% | 15.98% | 15.58% | 17.22% | 18.87% | 17.80% | 15.97% | 17.16% | -6 bps | |
| Net Interest Margin | 4.02% | 3.98% | 3.61% | 3.74% | 3.85% | 3.68% | 3.45% | 3.64% | -10 bps | |
| Efficiency Ratio | 28.92% | 38.77% | 33.70% | 30.42% | 28.35% | 29.59% | 33.80% | 32.26% | +184 bps | |
| Non-Interest Burden | 1.09% | 1.41% | 1.12% | 1.04% | 0.96% | 0.86% | 1.02% | 1.05% | +1 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 | 0.00% | 0.47% | -0.01% | 0.00% | 0.11% | 0.00% | 0.36% | 0.00% | -1 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 | |