Los Angeles, CA · Cert 34788
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
71
Profitability
74
Liquidity
72
Efficiency
68
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.
Los Angeles, CA · Cert 34788
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.6% share · #24 of 107 inst. · $3.9B 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 | 1.04% | 1.09% | 1.16% | 1.20% | 1.24% | 1.27% | 1.45% | 1.46% | +26 bps | |
| Return on Equity | 12.45% | 12.93% | 13.15% | 13.71% | 14.08% | 14.25% | 15.24% | 15.17% | +146 bps | |
| Net Interest Margin | 2.92% | 2.94% | 3.33% | 3.37% | 3.35% | 3.40% | 3.77% | 3.79% | +41 bps | |
| Efficiency Ratio | 54.40% | 53.10% | 51.83% | 51.02% | 49.45% | 47.89% | 46.48% | 46.95% | -407 bps | |
| Non-Interest Burden | 1.49% | 1.46% | 1.63% | 1.62% | 1.54% | 1.51% | 1.63% | 1.64% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 3.53% | 7.69% | 9.41% | 8.16% | 9.06% | 4.72% | 2.77% | -664 bps | |
| Loan Growth (YoY) | 4.46% | 6.63% | 10.08% | 11.30% | 11.30% | 10.74% | 9.35% | 7.94% | -337 bps | |
| Deposit Growth (YoY) | 6.07% | 4.19% | 13.59% | 12.00% | 7.59% | 8.51% | 3.87% | 1.70% | -1,030 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.27% | 0.42% | 0.40% | 0.40% | 0.39% | 0.44% | 0.44% | +4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.11% | 1.10% | 1.10% | 1.10% | 1.11% | 1.11% | +1 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.1x | 2.7x | 2.8x | 2.7x | 2.8x | 2.5x | 2.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 10.21% | 10.44% | 10.45% | 10.22% | 10.29% | 10.76% | 11.01% | +56 bps | |
| Total Risk-Based Capital | 12.99% | 13.02% | 12.84% | 12.80% | 12.96% | 13.00% | 13.03% | 13.24% | +44 bps | |
| Equity / Assets | 8.68% | 8.78% | 8.82% | 8.67% | 8.88% | 9.33% | 9.64% | 9.89% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.60% | 75.48% | 75.34% | 74.76% | 73.04% | 77.03% | 79.32% | 79.34% | +458 bps | |
| Liquid Assets / Assets | 17.52% | 15.12% | 15.10% | 15.78% | 18.66% | 16.73% | 14.82% | 14.02% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 496% | 504% | 492% | n/a | n/a | |
Los Angeles, CA · Cert 34788 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.45%
Rank 6 of 19
Net Interest Margin
3.79%
Rank 4 of 19
Efficiency Ratio
46.95%
Rank 7 of 19
Equity / Assets
9.89%
Rank 14 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 1.10% | 1.26% | 1.57% | Beats 68% | 6 / 19 | ||
| Return on Equity | 14.70% | 8.62% | 11.28% | 14.70% | Beats 74% | 5 / 19 | ||
| Net Interest Margin | 3.79% | 3.07% | 3.30% | 3.62% | Beats 79% | 4 / 19 | ||
| Efficiency Ratio | 46.95% | 33.01% | 51.12% | 56.65% | Beats 68% | 7 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.37% | 0.80% | 1.55% | Beats 71% | 6 / 17 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 6 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.35% | 12.10% | 14.67% | 23.92% | Beats 26% | 14 / 19 | ||
| Total Risk-Based Capital Ratio | 13.24% | 13.35% | 14.67% | 24.05% | Beats 16% | 16 / 19 | ||
| Equity / Assets | 9.89% | 9.84% | 11.18% | 14.01% | Beats 26% | 14 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.34% | 79.34% | 95.16% | 100.04% | 21st pctl | 15 / 19 | ||
| Loans / Assets | 70.74% | 69.86% | 77.55% | 83.04% | 26th pctl | 14 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||