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 (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 | 48.15% | 52.31% | 69.52% | 66.31% | 65.04% | 70.45% | 81.43% | 81.14% | +1,483 bps | |
| Return on Equity | 68.34% | 77.21% | 114.96% | 101.97% | 94.56% | 104.84% | 123.23% | 114.52% | +1,255 bps | |
| Net Interest Margin | 1.93% | 1.77% | 2.14% | 1.95% | 1.86% | 1.88% | 2.24% | 2.21% | +26 bps | |
| Efficiency Ratio | 64.24% | 63.62% | 62.22% | 62.95% | 63.06% | 62.20% | 59.09% | 59.06% | -389 bps | |
| Non-Interest Burden | -53.89% | -51.82% | -78.95% | -73.32% | -67.43% | -69.27% | -94.25% | -86.79% | -1,347 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 | |