Chino, CA · Cert 35366 · Chino Commercial Bcorp
National charter · OCC · 5 branches
Q2 2026
Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.5% share · #20 of 36 inst. · $0.4B of $79.7B
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 | 1.23% | 1.34% | 1.29% | 1.42% | 1.41% | 1.26% | 1.52% | 1.59% | +17 bps | |
| Return on Equity | 12.25% | 12.98% | 12.28% | 13.42% | 13.15% | 11.56% | 13.34% | 13.88% | +46 bps | |
| Net Interest Margin | 3.08% | 3.43% | 3.40% | 3.60% | 3.73% | 3.74% | 3.97% | 3.83% | +23 bps | |
| Efficiency Ratio | 54.34% | 53.91% | 54.38% | 53.19% | 52.87% | 53.36% | 48.62% | 49.71% | -348 bps | |
| Non-Interest Burden | 1.37% | 1.52% | 1.50% | 1.53% | 1.60% | 1.61% | 1.54% | 1.52% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 4.38% | 2.14% | 2.99% | 5.08% | 5.69% | -1.11% | 7.29% | +430 bps | |
| Loan Growth (YoY) | 9.11% | 14.49% | 15.37% | 6.05% | 7.96% | 7.02% | 11.75% | 16.29% | +1,023 bps | |
| Deposit Growth (YoY) | 7.32% | 9.01% | 9.49% | 9.30% | 5.15% | 5.84% | 3.67% | 4.87% | -443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.60% | 0.54% | 0.41% | 0.40% | 0.32% | 0.51% | 0.49% | +9 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.31% | 0.01% | -0.02% | 0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 2.30% | 2.26% | 2.23% | 2.25% | 2.21% | 2.23% | 2.22% | 2.15% | -10 bps | |
| Allowance Coverage of NPLs | 10.0x | 3.8x | 4.2x | 5.6x | 5.6x | 6.9x | 4.3x | 4.4x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 11.01% | 11.64% | 12.08% | 12.16% | 12.26% | 12.36% | 12.51% | +43 bps | |
| Total Risk-Based Capital | 10.53% | 11.01% | 11.64% | 12.08% | 12.16% | 12.26% | 12.36% | 12.51% | +43 bps | |
| Equity / Assets | 10.20% | 10.41% | 10.56% | 10.59% | 10.82% | 11.00% | 11.89% | 11.04% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.94% | 57.55% | 55.48% | 54.32% | 53.33% | 58.19% | 59.80% | 60.23% | +592 bps | |
| Liquid Assets / Assets | 50.74% | 49.13% | 48.91% | 50.33% | 50.03% | 47.48% | 41.77% | 45.48% | -484 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 349% | 353% | n/a | n/a | |