Henderson, NV · Cert 57542
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 15.0% share · #3 of 41 inst. · $14.3B 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 | 0.47% | 0.49% | 0.21% | 0.29% | 0.31% | 0.30% | 0.46% | 0.39% | +11 bps | |
| Return on Equity | 3.58% | 3.85% | 2.01% | 3.12% | 3.41% | 3.28% | 4.56% | 3.88% | +75 bps | |
| Net Interest Margin | 1.19% | 1.15% | 1.23% | 1.08% | 0.97% | 0.81% | 0.81% | 0.80% | -28 bps | |
| Efficiency Ratio | 44.01% | 44.09% | 58.87% | 64.00% | 69.13% | 73.28% | 83.39% | 80.32% | +1,631 bps | |
| Non-Interest Burden | 0.49% | 0.47% | 0.55% | 0.28% | 0.17% | 0.10% | 0.06% | -0.16% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.85% | 28.59% | 53.59% | 85.85% | 100.23% | 114.30% | 75.56% | 42.73% | -4,312 bps | |
| Loan Growth (YoY) | 43.64% | 35.93% | 46.96% | 60.32% | 81.99% | 96.06% | 78.39% | 59.42% | -90 bps | |
| Deposit Growth (YoY) | 32.99% | 36.98% | 66.44% | 107.09% | 117.84% | 129.52% | 78.83% | 40.08% | -6,701 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.08% | 0.12% | 0.16% | 0.20% | +19 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.05% | 0.21% | 0.18% | +18 bps | |
| Allowance / Loans | 0.48% | 0.43% | 0.53% | 0.70% | 0.84% | 0.92% | 0.95% | 1.15% | +45 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 781.8x | 40.3x | 10.2x | 7.8x | 5.8x | 5.6x | -34.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.23% | 13.02% | 11.59% | 8.84% | 10.52% | 10.42% | 11.06% | 11.06% | +222 bps | |
| Total Risk-Based Capital | 29.53% | 27.76% | 20.72% | 15.17% | 16.34% | 16.47% | 16.94% | 15.26% | +9 bps | |
| Equity / Assets | 12.35% | 11.62% | 9.36% | 7.44% | 8.91% | 9.52% | 10.60% | 10.21% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.55% | 68.16% | 61.97% | 57.09% | 56.44% | 58.23% | 61.82% | 64.97% | +788 bps | |
| Liquid Assets / Assets | 1.75% | 2.45% | 5.12% | 9.99% | 7.75% | 5.64% | 4.76% | 5.89% | -410 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.25% | 66.46% | 57.74% | n/a | n/a | |