City of Industry, CA · Cert 34010 · O-Bank Co. Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #54 of 107 inst. · $0.6B 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 | 1.29% | 2.18% | 1.15% | 1.22% | 1.27% | 1.22% | 1.01% | 1.01% | -21 bps | |
| Return on Equity | 5.12% | 8.65% | 4.53% | 4.85% | 5.16% | 5.03% | 4.37% | 4.36% | -49 bps | |
| Net Interest Margin | 3.84% | 3.74% | 3.60% | 3.70% | 3.59% | 3.47% | 3.51% | 3.48% | -22 bps | |
| Efficiency Ratio | 51.05% | 54.07% | 53.31% | 52.04% | 50.60% | 51.20% | 55.87% | 56.34% | +429 bps | |
| Non-Interest Burden | 1.80% | 1.88% | 1.80% | 1.81% | 1.71% | 1.68% | 1.85% | 1.86% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | 8.66% | 4.26% | 13.31% | 22.03% | 17.07% | 15.71% | 11.61% | -170 bps | |
| Loan Growth (YoY) | 14.99% | 1.77% | 9.67% | 20.24% | 19.67% | 26.63% | 14.50% | 2.37% | -1,787 bps | |
| Deposit Growth (YoY) | 1.05% | 7.73% | 2.49% | 14.09% | 26.74% | 22.37% | 20.13% | 15.13% | +104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.04% | 0.33% | 0.30% | 0.28% | 0.34% | 0.84% | 0.82% | 0.80% | +51 bps | |
| Net Charge-Offs / Loans | 3.44% | 0.31% | 0.00% | 0.05% | 0.09% | 0.08% | 0.00% | 0.06% | +1 bps | |
| Allowance / Loans | 1.06% | 1.49% | 1.38% | 1.22% | 1.15% | 1.10% | 1.14% | 1.12% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 4.6x | 4.6x | 4.3x | 3.4x | 1.3x | 1.4x | 1.4x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.98% | 23.84% | 23.43% | 23.23% | 22.07% | 21.45% | 21.57% | 21.71% | -152 bps | |
| Total Risk-Based Capital | 22.98% | 23.84% | 23.43% | 23.23% | 22.07% | 21.45% | 21.57% | 21.71% | -152 bps | |
| Equity / Assets | 25.88% | 25.46% | 25.41% | 24.65% | 23.19% | 23.13% | 23.23% | 23.25% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.90% | 97.47% | 102.97% | 108.28% | 99.99% | 100.86% | 98.14% | 96.28% | -1,200 bps | |
| Liquid Assets / Assets | 3.13% | 11.80% | 8.04% | 4.80% | 12.06% | 9.54% | 11.48% | 11.77% | +696 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 251% | 252% | n/a | n/a | |