Reno, NV · Cert 34313
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Reno, NV · 2026 SOD (annual) · 3.4% share · #8 of 17 inst. · $0.5B of $15.5B
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 | 4.23% | 4.11% | 4.06% | 4.43% | 4.51% | 4.40% | 4.48% | 4.67% | +24 bps | |
| Return on Equity | 25.45% | 24.16% | 22.51% | 23.45% | 23.21% | 21.49% | 20.19% | 20.20% | -326 bps | |
| Net Interest Margin | 6.06% | 6.07% | 6.03% | 6.38% | 6.45% | 6.44% | 6.33% | 6.62% | +24 bps | |
| Efficiency Ratio | 32.45% | 32.33% | 33.30% | 30.64% | 29.47% | 30.43% | 29.74% | 30.56% | -9 bps | |
| Non-Interest Burden | 0.56% | 0.56% | 0.54% | 0.52% | 0.50% | 0.48% | 0.44% | 0.48% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.33% | 21.98% | 18.86% | 10.64% | 6.50% | 2.92% | 0.51% | 2.35% | -828 bps | |
| Loan Growth (YoY) | 17.90% | 22.00% | 17.71% | 10.50% | 5.74% | 3.28% | 0.36% | 0.85% | -965 bps | |
| Deposit Growth (YoY) | 14.60% | 22.86% | 16.27% | 6.70% | 1.19% | -2.52% | -6.91% | -3.95% | -1,065 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.95% | 17.60% | 19.08% | 19.54% | 20.02% | 21.34% | 22.72% | 23.68% | +415 bps | |
| Total Risk-Based Capital | 17.70% | 18.85% | 19.90% | 20.34% | 21.09% | 22.89% | 24.69% | 24.86% | +452 bps | |
| Equity / Assets | 16.58% | 17.45% | 18.61% | 19.16% | 19.67% | 21.27% | 23.10% | 23.16% | +400 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 118.30% | 117.12% | 126.44% | 125.44% | 123.62% | 124.09% | 136.31% | 131.71% | +627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |