Irvine, CA · Cert 35331 · DMG Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #85 of 107 inst. · $0.2B 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 | -0.83% | -1.67% | -1.43% | -1.41% | -1.47% | -1.25% | -0.37% | -0.44% | +97 bps | |
| Return on Equity | -6.34% | -12.78% | -10.57% | -10.31% | -10.66% | -9.19% | -2.65% | -3.15% | +715 bps | |
| Net Interest Margin | 1.90% | 2.07% | 2.34% | 2.70% | 2.83% | 2.97% | 3.20% | 3.41% | +71 bps | |
| Efficiency Ratio | 168.25% | 166.93% | 152.97% | 151.01% | 149.76% | 140.66% | 110.08% | 110.84% | -4,016 bps | |
| Non-Interest Burden | 3.53% | 3.77% | 3.73% | 4.24% | 4.40% | 4.33% | 3.64% | 3.91% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.66% | -14.38% | -19.05% | -20.80% | -17.69% | -7.69% | -10.99% | -6.88% | +1,392 bps | |
| Loan Growth (YoY) | -1.46% | -11.09% | -15.13% | -15.61% | -16.94% | -15.87% | -13.28% | -12.65% | +296 bps | |
| Deposit Growth (YoY) | -6.70% | -10.40% | -19.65% | -29.48% | -21.28% | -5.45% | -11.64% | 2.63% | +3,211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.01% | 0.01% | 0.03% | 0.02% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 0.97% | 1.02% | 1.08% | 1.09% | 1.11% | 1.16% | 1.17% | 1.20% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 808.6x | n/a | 790.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.30% | 12.23% | 12.67% | 13.58% | 13.43% | 13.60% | 13.42% | 14.44% | +86 bps | |
| Total Risk-Based Capital | 17.81% | 18.07% | 19.03% | 19.39% | 19.18% | 19.78% | 20.46% | 20.63% | +125 bps | |
| Equity / Assets | 13.69% | 13.19% | 13.84% | 14.02% | 14.16% | 13.12% | 14.52% | 14.29% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.92% | 103.22% | 102.15% | 115.09% | 108.60% | 91.84% | 100.26% | 97.95% | -1,713 bps | |
| Liquid Assets / Assets | 6.91% | 8.03% | 7.19% | 6.92% | 5.96% | 15.38% | 9.30% | 12.41% | +549 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 598% | 578% | 558% | n/a | n/a | |