Irvine, CA · Cert 35164
State savings bank · OCC · 2 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #102 of 107 inst. · $0.0B 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 | 50.04% | 59.16% | 69.52% | 63.56% | 63.66% | 78.79% | 81.43% | 81.15% | +1,759 bps | |
| Return on Equity | 65.20% | 85.91% | 114.96% | 92.05% | 84.75% | 112.78% | 123.23% | 108.75% | +1,669 bps | |
| Net Interest Margin | 1.97% | 1.82% | 2.14% | 2.03% | 2.19% | 2.27% | 2.24% | 2.49% | +46 bps | |
| Efficiency Ratio | 62.67% | 62.02% | 62.22% | 63.58% | 63.24% | 60.18% | 59.09% | 59.03% | -454 bps | |
| Non-Interest Burden | -60.44% | -60.45% | -78.95% | -77.67% | -75.04% | -87.33% | -94.25% | -92.10% | -1,443 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.60% | -1.91% | 2.11% | 10.28% | 14.91% | 29.14% | 33.49% | 38.34% | +2,807 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 80.96% | 39.79% | 66.19% | 72.81% | 78.15% | 49.50% | 69.79% | 79.26% | +645 bps | |
| Total Risk-Based Capital | 196.92% | 119.40% | 144.77% | 179.49% | 204% | 142.12% | 177.63% | 202% | +2,281 bps | |
| Equity / Assets | 79.26% | 55.21% | 65.08% | 72.54% | 77.33% | 61.15% | 70.24% | 78.35% | +580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 17.53% | 3.50% | 9.63% | 21.03% | 20.66% | 4.63% | 9.45% | 25.33% | +430 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |