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 | |