Irvine, CA · Cert 57417 · CBC Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #25 of 107 inst. · $2.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.08% | 1.16% | 1.31% | 1.34% | +31 bps | |
| Return on Equity | 12.35% | 12.79% | 13.41% | 14.38% | 14.75% | +240 bps | |
| Net Interest Margin | 3.38% | 3.43% | 3.54% | 3.80% | 3.62% | +24 bps | |
| Efficiency Ratio | 59.84% | 58.81% | 56.70% | 53.42% | 53.53% | -631 bps | |
| Non-Interest Burden | 1.88% | 1.88% | 1.85% | 1.85% | 1.73% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 49.18% | 51.93% | 4.64% | 7.55% | 7.60% | -4,158 bps | |
| Loan Growth (YoY) | 54.34% | 49.48% | 9.77% | 7.49% | 6.19% | -4,816 bps | |
| Deposit Growth (YoY) | 50.53% | 56.36% | 7.43% | 13.35% | 13.25% | -3,728 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.39% | 0.41% | 0.64% | 0.37% | -22 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.12% | 0.09% | 0.08% | 0.06% | -2 bps | |
| Allowance / Loans | 1.20% | 1.16% | 1.17% | 1.17% | 1.18% | -2 bps | |
| Allowance Coverage of NPLs | 2.0x | 3.0x | 2.9x | 1.8x | 3.2x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.72% | 8.81% | 9.29% | 9.60% | 9.27% | +55 bps | |
| Total Risk-Based Capital | 12.10% | 12.26% | 12.50% | 12.56% | 12.85% | +76 bps | |
| Equity / Assets | 8.49% | 8.62% | 9.29% | 8.97% | 9.05% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.80% | 82.61% | 89.93% | 81.37% | 80.45% | -535 bps | |
| Liquid Assets / Assets | 13.62% | 14.02% | 7.14% | 11.41% | 9.69% | -394 bps | |
| CRE / Total Capital | n/a | 681% | 670% | 666% | n/a | n/a | |