Los Angeles, CA · Cert 57463 · PCB Bcorp
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #29 of 107 inst. · $2.5B of $667.8B
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 | 1.12% | 0.97% | 1.02% | 1.15% | 1.40% | 1.14% | 1.30% | 1.25% | +10 bps | |
| Return on Equity | 9.17% | 8.16% | 8.86% | 10.28% | 12.62% | 10.04% | 11.37% | 11.11% | +83 bps | |
| Net Interest Margin | 3.16% | 3.10% | 3.12% | 3.21% | 3.21% | 3.21% | 3.22% | 3.22% | +1 bps | |
| Efficiency Ratio | 56.57% | 52.05% | 52.89% | 49.36% | 47.71% | 50.49% | 48.09% | 48.06% | -131 bps | |
| Non-Interest Burden | 1.63% | 1.42% | 1.50% | 1.38% | 1.32% | 1.47% | 1.34% | 1.36% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.53% | 9.80% | 11.51% | 15.83% | 16.36% | 7.11% | 6.67% | 4.98% | -1,085 bps | |
| Loan Growth (YoY) | 13.66% | 13.19% | 14.10% | 14.33% | 11.77% | 7.47% | 5.02% | 4.69% | -964 bps | |
| Deposit Growth (YoY) | 12.19% | 11.22% | 12.94% | 17.30% | 18.44% | 6.95% | 6.44% | 3.58% | -1,373 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.18% | 0.23% | 0.32% | 0.30% | 0.28% | 0.32% | 0.30% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.04% | 0.02% | 0.02% | 0.05% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.17% | 1.20% | 1.19% | 1.18% | 1.18% | 1.18% | -1 bps | |
| Allowance Coverage of NPLs | 4.4x | 6.5x | 5.1x | 3.8x | 4.0x | 4.2x | 3.7x | 4.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.49% | 12.16% | 11.82% | 11.50% | 11.25% | 11.55% | 11.70% | 11.54% | +5 bps | |
| Total Risk-Based Capital | 15.54% | 14.92% | 14.63% | 14.47% | 14.85% | 14.72% | 14.68% | 14.58% | +11 bps | |
| Equity / Assets | 12.24% | 11.59% | 11.34% | 11.08% | 11.11% | 11.54% | 11.34% | 11.20% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.12% | 100.46% | 100.60% | 98.98% | 94.48% | 100.95% | 99.26% | 100.04% | +107 bps | |
| Liquid Assets / Assets | 5.64% | 5.61% | 5.83% | 6.72% | 10.26% | 5.54% | 7.15% | 6.75% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 497% | 497% | 499% | n/a | n/a | |