Phoenix, AZ · Cert 57288
FDIC
Q2 2026
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 | -5.77% | -6.62% | -0.12% | 4.25% | 12.96% | 10.33% | 15.70% | 14.55% | +1,029 bps | |
| Return on Equity | -5.93% | -7.56% | -0.13% | 4.45% | 13.91% | 11.34% | 17.15% | 16.05% | +1,159 bps | |
| Net Interest Margin | 3.69% | 3.20% | 2.87% | 2.94% | 2.51% | 2.31% | 2.25% | 2.29% | -65 bps | |
| Efficiency Ratio | 135.91% | 123.70% | 100.30% | 85.99% | 64.60% | 75.23% | 65.53% | 68.73% | -1,726 bps | |
| Non-Interest Burden | 11.44% | 7.89% | 2.96% | -2.53% | -15.56% | -11.66% | -18.50% | -18.03% | -1,551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.75% | -5.14% | -3.13% | 0.99% | 8.86% | -4.50% | 17.50% | 23.91% | +2,292 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 | 95.98% | 94.03% | 95.91% | 96.79% | 97.90% | 94.51% | 94.59% | 94.88% | -190 bps | |
| Total Risk-Based Capital | 95.98% | 94.03% | 95.91% | 96.79% | 97.90% | 94.51% | 94.59% | 94.88% | -190 bps | |
| Equity / Assets | 96.68% | 79.98% | 96.31% | 94.83% | 91.59% | 90.58% | 92.49% | 88.97% | -585 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 | 16.37% | 12.00% | 12.72% | 11.19% | 13.65% | 19.66% | 14.33% | 12.77% | +158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |