San Francisco, CA · Cert 35413
FDIC
Q2 2026
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 | 5.04% | 4.80% | 9.78% | 0.73% | -5.04% | -6.77% | -18.20% | -15.47% | -1,619 bps | |
| Return on Equity | 5.05% | 4.82% | 9.85% | 0.74% | -5.26% | -7.05% | -19.10% | -16.27% | -1,701 bps | |
| Net Interest Margin | 4.24% | 4.20% | 3.98% | 3.94% | 3.88% | 3.87% | 3.23% | 3.25% | -69 bps | |
| Efficiency Ratio | 65.72% | 66.93% | 46.15% | 95.49% | 132.57% | 144.16% | 227% | 207% | +11,102 bps | |
| Non-Interest Burden | -2.44% | -2.22% | -9.07% | 2.98% | 10.45% | 12.67% | 28.16% | 24.12% | +2,114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 5.49% | 6.76% | 7.37% | 8.49% | -4.52% | -8.33% | -13.36% | -2,073 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) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 100.08% | 99.31% | 99.55% | 95.59% | 89.48% | 88.48% | 95.15% | 92.10% | -349 bps | |
| Total Risk-Based Capital | 100.08% | 99.31% | 99.55% | 95.59% | 89.48% | 88.48% | 95.15% | 92.10% | -349 bps | |
| Equity / Assets | 99.68% | 99.38% | 99.28% | 95.86% | 89.19% | 96.88% | 93.76% | 94.60% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 94.11% | 94.56% | 94.63% | 92.93% | 91.16% | 89.15% | 87.07% | 93.38% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |