Evertrust Bank
City of Industry, CA · Cert 34010 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · O-Bank Co. Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.1BAssets
$817.0MLoans
$848.6MDeposits
$261.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 19).
- Widest gap: return on equity trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.00%
Rank 16 of 19
Net Interest Margin
3.48%
Rank 7 of 19
Efficiency Ratio
56.34%
Rank 14 of 19
Equity / Assets
23.25%
Rank 3 of 19
Non-interest income vs. expense
Unfavorable gap of $20.2M · efficiency ratio beats 32% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 1.10% | 1.26% | 1.57% | Beats 16% | 16 / 19 | |
| Return on Equity | 4.32% | 8.62% | 11.28% | 14.70% | Beats 5% | 18 / 19 | |
| Net Interest Margin | 3.48% | 3.07% | 3.30% | 3.62% | Beats 63% | 7 / 19 | |
| Efficiency Ratio | 56.34% | 33.01% | 51.12% | 56.65% | Beats 32% | 14 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.37% | 0.80% | 1.55% | Beats 53% | 9 / 17 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 35% | 12 / 17 | |
| Capital |
| Tier 1 Capital Ratio | 21.71% | 12.10% | 14.67% | 23.92% | Beats 68% | 6 / 19 | |
| Total Risk-Based Capital Ratio | 21.71% | 13.35% | 14.67% | 24.05% | Beats 68% | 6 / 19 | |
| Equity / Assets | 23.25% | 9.84% | 11.18% | 14.01% | Beats 84% | 3 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 96.28% | 79.34% | 95.16% | 100.04% | 63rd pctl | 7 / 19 | |
| Loans / Assets | 72.60% | 69.86% | 77.55% | 83.04% | 32nd pctl | 13 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |