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 | |