San Diego, CA · Cert 57044 · California Bcorp
National charter · OCC · 14 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #24 of 69 inst. · $1.3B of $513.2B
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 | -1.86% | 1.69% | 1.79% | 1.53% | 1.65% | 1.66% | 1.42% | 1.48% | -6 bps | |
| Return on Equity | -14.28% | 12.42% | 12.19% | 10.28% | 11.44% | 11.57% | 9.61% | 9.75% | -53 bps | |
| Net Interest Margin | 4.38% | 4.55% | 4.51% | 4.53% | 4.45% | 4.35% | 4.29% | 4.55% | +2 bps | |
| Efficiency Ratio | 94.04% | 53.31% | 51.76% | 52.10% | 48.25% | 57.69% | 54.84% | 51.24% | -86 bps | |
| Non-Interest Burden | 4.03% | 2.40% | 2.23% | 2.24% | 2.03% | 2.40% | 2.26% | 2.26% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 87.90% | 70.84% | 73.97% | 72.47% | -6.04% | 0.01% | 1.64% | 1.78% | -7,069 bps | |
| Loan Growth (YoY) | 67.07% | 60.65% | 62.95% | 59.06% | -7.31% | -3.08% | -2.49% | 3.77% | -5,529 bps | |
| Deposit Growth (YoY) | 88.65% | 74.76% | 72.91% | 71.63% | -7.05% | -0.37% | 1.72% | 1.08% | -7,055 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.79% | 0.84% | 0.74% | 0.61% | 0.52% | 0.53% | 1.03% | 0.29% | -33 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.02% | 0.20% | 0.54% | 0.01% | 0.36% | 0.00% | 0.02% | -52 bps | |
| Allowance / Loans | 1.66% | 1.60% | 1.49% | 1.37% | 1.38% | 1.12% | 1.13% | 1.12% | -25 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.9x | 2.0x | 2.2x | 2.6x | 2.1x | 1.1x | 3.9x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.41% | 11.15% | 12.15% | 12.13% | 11.42% | 11.57% | 12.02% | 12.80% | +67 bps | |
| Total Risk-Based Capital | 12.53% | 13.55% | 14.42% | 14.30% | 14.06% | 14.24% | 14.78% | 14.94% | +63 bps | |
| Equity / Assets | 12.90% | 14.32% | 15.01% | 14.80% | 14.01% | 14.68% | 14.93% | 15.38% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.33% | 92.76% | 91.87% | 90.09% | 86.09% | 90.23% | 88.08% | 92.49% | +240 bps | |
| Liquid Assets / Assets | 12.59% | 8.91% | 7.92% | 7.31% | 9.53% | 4.94% | 5.66% | 3.83% | -347 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 499% | 492% | 472% | n/a | n/a | |