Irvine, CA · Cert 57176 · CW Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
35
Profitability
51
Liquidity
62
Efficiency
63
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Irvine, CA · Cert 57176 · CW Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #43 of 107 inst. · $1.1B 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 | 1.19% | 1.20% | 1.03% | 1.09% | 1.10% | 1.10% | 1.17% | 1.20% | +11 bps | |
| Return on Equity | 11.24% | 11.89% | 10.53% | 10.60% | 10.30% | 10.56% | 11.50% | 11.52% | +91 bps | |
| Net Interest Margin | 2.94% | 2.86% | 3.19% | 3.16% | 3.13% | 3.15% | 3.10% | 3.09% | -8 bps | |
| Efficiency Ratio | 49.37% | 48.85% | 53.04% | 51.52% | 53.28% | 51.88% | 46.13% | 47.75% | -376 bps | |
| Non-Interest Burden | 1.20% | 1.13% | 1.48% | 1.41% | 1.47% | 1.43% | 1.25% | 1.30% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.90% | 14.42% | 4.61% | 4.58% | -4.24% | -0.29% | 8.12% | 1.30% | -328 bps | |
| Loan Growth (YoY) | 2.45% | 9.47% | 11.77% | 13.13% | 7.55% | 0.32% | -3.26% | -3.88% | -1,701 bps | |
| Deposit Growth (YoY) | 11.22% | 15.88% | 4.50% | 4.29% | -5.38% | -1.22% | 8.51% | 2.14% | -215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.80% | 0.91% | 1.06% | 1.06% | 1.04% | 1.34% | 1.23% | +17 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.07% | 0.04% | 0.09% | 0.16% | 0.00% | 0.09% | +5 bps | |
| Allowance / Loans | 1.53% | 1.45% | 1.42% | 1.41% | 1.37% | 1.32% | 1.36% | 1.32% | -10 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.8x | 1.6x | 1.3x | 1.3x | 1.3x | 1.0x | 1.1x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.77% | 11.16% | 12.35% | 12.68% | 12.22% | 12.50% | 11.89% | 11.14% | -154 bps | |
| Total Risk-Based Capital | 18.70% | 17.92% | 18.01% | 18.08% | 17.93% | 18.86% | 19.23% | 17.71% | -38 bps | |
| Equity / Assets | 10.96% | 8.54% | 11.42% | 11.41% | 12.03% | 9.43% | 11.15% | 10.80% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.78% | 58.76% | 79.69% | 78.47% | 82.73% | 59.68% | 71.05% | 73.84% | -462 bps | |
| Liquid Assets / Assets | 19.54% | 33.91% | 13.46% | 15.50% | 12.92% | 34.79% | 21.56% | 15.66% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 319% | 303% | 294% | n/a | n/a | |
Irvine, CA · Cert 57176 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · CW Bcorp
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.31%
Rank 7 of 19
Net Interest Margin
3.09%
Rank 13 of 19
Efficiency Ratio
47.75%
Rank 8 of 19
Equity / Assets
10.80%
Rank 12 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 1.10% | 1.26% | 1.57% | Beats 63% | 7 / 19 | ||
| Return on Equity | 12.12% | 8.62% | 11.28% | 14.70% | Beats 58% | 8 / 19 | ||
| Net Interest Margin | 3.09% | 3.07% | 3.30% | 3.62% | Beats 32% | 13 / 19 | ||
| Efficiency Ratio | 47.75% | 33.01% | 51.12% | 56.65% | Beats 63% | 8 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.37% | 0.80% | 1.55% | Beats 41% | 11 / 17 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 29% | 13 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.46% | 12.10% | 14.67% | 23.92% | Beats 53% | 9 / 19 | ||
| Total Risk-Based Capital Ratio | 17.71% | 13.35% | 14.67% | 24.05% | Beats 53% | 9 / 19 | ||
| Equity / Assets | 10.80% | 9.84% | 11.18% | 14.01% | Beats 37% | 12 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.84% | 79.34% | 95.16% | 100.04% | 16th pctl | 16 / 19 | ||
| Loans / Assets | 65.17% | 69.86% | 77.55% | 83.04% | 16th pctl | 16 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||