Oakland, CA · Cert 34210
FDIC · 4 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, 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 operating in a single state (n=281 to 282). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
70
Profitability
47
Liquidity
31
Efficiency
52
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.
Oakland, CA · Cert 34210
FDIC · 4 branches
Q3 2024
Market Position · San Francisco-Oakland-Fremont, CA · 2024 SOD (annual) · 0.2% share · #30 of 69 inst. · $0.7B of $440.9B
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.83% | 0.79% | 0.94% | 0.85% | 0.72% | 0.84% | 0.84% | -10 bps | |
| Return on Equity | 6.33% | 4.47% | 4.33% | 5.16% | 4.63% | 3.66% | 4.31% | 4.29% | -87 bps | |
| Net Interest Margin | 3.06% | 3.11% | 3.05% | 3.01% | 3.09% | 3.42% | 3.60% | 3.58% | +57 bps | |
| Efficiency Ratio | 59.56% | 62.91% | 65.07% | 60.80% | 65.17% | 68.27% | 67.02% | 65.87% | +507 bps | |
| Non-Interest Burden | 1.79% | 1.93% | 1.96% | 1.65% | 1.88% | 2.23% | 2.34% | 2.29% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.38% | 27.47% | 19.64% | 5.07% | -0.11% | -2.66% | -5.04% | -5.35% | -1,043 bps | |
| Loan Growth (YoY) | 22.06% | 27.83% | 15.18% | 14.12% | 2.85% | 3.87% | 3.14% | 3.62% | -1,050 bps | |
| Deposit Growth (YoY) | 15.79% | -5.32% | 7.14% | -10.24% | -10.14% | 1.68% | -2.13% | -2.47% | +777 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 1.13% | 1.06% | 1.06% | 1.01% | 0.00% | 0.11% | -95 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.09% | 0.04% | 0.14% | 0.11% | 0.01% | 0.00% | 0.00% | -14 bps | |
| Allowance / Loans | 1.05% | 0.95% | 0.92% | 0.93% | 0.92% | 0.94% | 0.94% | 1.00% | +7 bps | |
| Allowance Coverage of NPLs | 23.2x | 44.7x | 0.8x | 0.9x | 0.9x | 0.9x | n/a | 9.4x | +8.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.26% | 19.54% | 19.03% | 18.61% | 18.81% | 20.20% | 19.86% | 19.83% | +122 bps | |
| Total Risk-Based Capital | 26.10% | 26.85% | 28.19% | 27.30% | 28.45% | 26.11% | 26.08% | 25.48% | -182 bps | |
| Equity / Assets | 18.82% | 18.51% | 17.65% | 17.76% | 19.61% | 19.57% | 19.27% | 19.51% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.04% | 100.82% | 94.32% | 94.50% | 106.49% | 102.99% | 99.39% | 100.41% | +590 bps | |
| Liquid Assets / Assets | 7.26% | 11.11% | 15.51% | 16.93% | 8.68% | 12.48% | 15.05% | 16.45% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Oakland, CA · Cert 34210 · Peer group: banks $1B-$10B in assets operating in a single state (n=281-282)
FDIC · 4 branches
Q3 2024
Return on Assets
0.82%
Rank 155 of 282
Net Interest Margin
3.58%
Rank 54 of 282
Efficiency Ratio
65.87%
Rank 135 of 282
Equity / Assets
19.51%
Rank 4 of 282
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.53% | 0.88% | 1.23% | Beats 45% | 155 / 282 | ||
| Return on Equity | 4.22% | 5.95% | 8.98% | 12.11% | Beats 14% | 241 / 281 | ||
| Net Interest Margin | 3.58% | 2.48% | 2.88% | 3.44% | Beats 81% | 54 / 282 | ||
| Efficiency Ratio | 65.87% | 57.32% | 67.09% | 76.33% | Beats 52% | 135 / 282 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.13% | 0.34% | 0.82% | Beats 80% | 57 / 282 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 117 / 282 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.54% | 11.48% | 13.06% | 14.94% | Beats 96% | 11 / 282 | ||
| Total Risk-Based Capital Ratio | 25.48% | 12.24% | 13.97% | 15.89% | Beats 96% | 10 / 282 | ||
| Equity / Assets | 19.51% | 8.47% | 9.60% | 11.29% | Beats 99% | 4 / 282 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.41% | 71.71% | 84.91% | 96.69% | 82nd pctl | 52 / 282 | ||
| Loans / Assets | 70.10% | 62.45% | 70.53% | 79.09% | 49th pctl | 145 / 282 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||