El Cajon, CA · Cert 34548 · Neighborhood Bcorp
National charter · OCC · 2 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #28 of 42 inst. · $0.2B of $135.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 2.36% | 1.92% | 0.59% | 0.65% | +44 bps | |
| Return on Equity | 1.73% | 19.11% | 15.64% | 4.87% | 5.33% | +360 bps | |
| Net Interest Margin | 2.94% | 2.88% | 3.26% | 3.10% | 3.34% | +41 bps | |
| Efficiency Ratio | 93.77% | 88.53% | 81.31% | 79.60% | 78.52% | -1,526 bps | |
| Non-Interest Burden | 2.72% | 2.43% | 2.46% | 2.22% | 2.38% | -34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.37% | 24.44% | 29.55% | 20.60% | 14.29% | -1,608 bps | |
| Loan Growth (YoY) | 27.89% | 26.19% | 25.84% | 21.87% | 19.45% | -845 bps | |
| Deposit Growth (YoY) | 35.54% | 27.99% | 31.11% | 18.97% | 7.90% | -2,764 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.10% | 1.03% | 0.44% | 0.34% | 0.68% | -41 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.06% | 0.00% | 0.23% | +24 bps | |
| Allowance / Loans | 1.27% | 1.23% | 1.41% | 1.31% | 1.16% | -11 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 3.2x | 3.8x | 1.7x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.42% | 11.96% | 11.81% | 11.30% | 11.63% | -79 bps | |
| Total Risk-Based Capital | 12.42% | 11.96% | 11.81% | 11.30% | 11.63% | -79 bps | |
| Equity / Assets | 11.88% | 12.77% | 12.11% | 12.04% | 12.34% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.54% | 90.41% | 88.98% | 94.49% | 101.34% | +979 bps | |
| Liquid Assets / Assets | 7.28% | 7.31% | 5.79% | 6.06% | 5.82% | -146 bps | |
| CRE / Total Capital | n/a | 507% | 516% | 523% | n/a | n/a | |