Las Vegas, NV · Cert 57312 · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 4 branches
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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
100
Profitability
83
Liquidity
0
Efficiency
92
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.
Las Vegas, NV · Cert 57312 · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 4 branches (43 in holding)
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #27 of 41 inst. · $0.2B of $95.0B
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 | 1.88% | 1.85% | 1.88% | 1.90% | 1.96% | 1.87% | 1.79% | 1.81% | -9 bps | |
| Return on Equity | 12.31% | 12.22% | 12.86% | 13.10% | 13.41% | 13.21% | 13.85% | 13.30% | +21 bps | |
| Net Interest Margin | 4.63% | 4.57% | 4.58% | 4.44% | 4.39% | 4.36% | 4.58% | 4.68% | +24 bps | |
| Efficiency Ratio | 49.62% | 50.27% | 47.73% | 47.10% | 46.88% | 48.75% | 44.00% | 47.29% | +19 bps | |
| Non-Interest Burden | 2.27% | 2.27% | 2.16% | 2.07% | 2.03% | 2.10% | 2.00% | 2.20% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -8.05% | 6.13% | 15.22% | 14.76% | 26.61% | 14.19% | -1.34% | -1,656 bps | |
| Loan Growth (YoY) | 5.63% | 11.87% | 15.63% | 13.35% | 20.30% | 16.34% | 15.38% | 11.72% | -163 bps | |
| Deposit Growth (YoY) | -9.15% | -11.68% | 6.72% | 23.21% | 17.18% | 34.86% | 15.53% | -5.27% | -2,848 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.74% | 0.00% | 0.00% | 0.00% | 0.00% | -74 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.63% | 1.58% | 1.47% | 1.44% | 1.35% | 1.36% | 1.32% | 1.36% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.9x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.68% | 15.06% | 15.90% | 15.53% | 15.31% | 13.70% | 14.40% | 14.86% | -67 bps | |
| Total Risk-Based Capital | 16.68% | 15.06% | 15.90% | 15.53% | 15.31% | 13.70% | 14.40% | 14.86% | -67 bps | |
| Equity / Assets | 16.43% | 14.85% | 14.42% | 14.30% | 14.86% | 12.49% | 13.37% | 15.23% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.86% | 94.77% | 90.67% | 87.44% | 92.25% | 81.75% | 90.56% | 103.12% | +1,568 bps | |
| Liquid Assets / Assets | 4.63% | 3.32% | 6.27% | 10.84% | 8.24% | 17.06% | 10.94% | 3.50% | -734 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 486% | 503% | n/a | n/a | |
Las Vegas, NV · Cert 57312 · Peer group: banks under $1B in assets (n=581-629) · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 4 branches (43 in holding)
Q2 2026
Return on Assets
1.94%
Rank 81 of 629
Net Interest Margin
4.68%
Rank 49 of 629
Efficiency Ratio
47.29%
Rank 52 of 629
Equity / Assets
15.23%
Rank 137 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.94% | 0.60% | 1.01% | 1.45% | Beats 87% | 81 / 629 | ||
| Return on Equity | 12.77% | 5.38% | 9.30% | 13.28% | Beats 71% | 180 / 629 | ||
| Net Interest Margin | 4.68% | 3.03% | 3.54% | 4.05% | Beats 92% | 49 / 629 | ||
| Efficiency Ratio | 47.29% | 58.35% | 67.79% | 79.08% | Beats 92% | 52 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.86% | 11.24% | 13.84% | 18.77% | Beats 59% | 260 / 629 | ||
| Total Risk-Based Capital Ratio | 14.86% | 11.58% | 14.43% | 19.66% | Beats 52% | 299 / 629 | ||
| Equity / Assets | 15.23% | 9.09% | 10.65% | 13.80% | Beats 78% | 137 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.12% | 67.24% | 80.90% | 93.48% | 90th pctl | 61 / 594 | ||
| Loans / Assets | 84.66% | 53.31% | 67.71% | 78.15% | 91st pctl | 54 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||