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 (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 | 1.07% | 1.23% | 1.16% | 1.24% | 1.31% | 1.34% | 1.45% | 1.48% | +24 bps | |
| Return on Equity | 12.53% | 14.04% | 13.15% | 14.21% | 14.92% | 14.71% | 15.24% | 15.14% | +93 bps | |
| Net Interest Margin | 3.06% | 3.24% | 3.33% | 3.47% | 3.59% | 3.71% | 3.77% | 3.81% | +34 bps | |
| Efficiency Ratio | 53.99% | 49.68% | 51.83% | 50.27% | 46.65% | 43.74% | 46.48% | 47.42% | -285 bps | |
| Non-Interest Burden | 1.54% | 1.49% | 1.63% | 1.63% | 1.54% | 1.48% | 1.63% | 1.67% | +4 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 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 | |