Beverly Hills, CA · Cert 57734
FDIC · 2 branches
Q1 2025
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2024 SOD (annual) · 0.0% share · #82 of 107 inst. · $0.2B of $667.1B
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.90% | -3.62% | -2.09% | -1.96% | -1.82% | -1.58% | -1.16% | +93 bps | |
| Return on Equity | -7.29% | -7.63% | -31.98% | -23.08% | -22.24% | -20.96% | -18.67% | -15.41% | +766 bps | |
| Net Interest Margin | 2.17% | 2.16% | 2.07% | 1.64% | 1.75% | 1.75% | 1.78% | 1.20% | -44 bps | |
| Efficiency Ratio | 157.03% | 161.07% | 164.24% | 227% | 209% | 210% | 200% | 249% | +2,228 bps | |
| Non-Interest Burden | 3.36% | 3.43% | 3.43% | 3.73% | 3.70% | 3.72% | 3.60% | 3.08% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | -2.54% | -12.10% | -8.74% | -6.06% | -5.35% | 1.78% | 2.79% | +1,153 bps | |
| Loan Growth (YoY) | 2.48% | -2.13% | -10.19% | -6.33% | -2.98% | -6.65% | -5.09% | -7.63% | -131 bps | |
| Deposit Growth (YoY) | -10.58% | -14.34% | -10.51% | 0.28% | -0.64% | 3.63% | 10.71% | 14.96% | +1,468 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.40% | 0.32% | 0.31% | 0.30% | 0.30% | 0.29% | 0.28% | -3 bps | |
| Net Charge-Offs / Loans | -0.17% | -0.21% | -0.12% | -0.07% | -0.07% | -0.06% | -0.09% | -0.17% | -10 bps | |
| Allowance / Loans | 1.81% | 1.90% | 1.90% | 1.90% | 1.92% | 1.87% | 1.70% | 1.53% | -37 bps | |
| Allowance Coverage of NPLs | 2.4x | 4.7x | 5.9x | 6.2x | 6.4x | 6.2x | 5.9x | 5.5x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 9.75% | 9.32% | 9.22% | 8.72% | 8.38% | 7.90% | 7.71% | -150 bps | |
| Total Risk-Based Capital | 13.93% | 13.60% | 13.55% | 12.80% | 12.39% | 12.25% | 12.06% | 11.80% | -101 bps | |
| Equity / Assets | 11.96% | 11.77% | 9.33% | 8.74% | 8.36% | 8.22% | 7.62% | 7.37% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.07% | 118.62% | 114.59% | 117.26% | 114.31% | 106.86% | 98.24% | 94.21% | -2,305 bps | |
| Liquid Assets / Assets | 3.33% | 3.37% | 5.04% | 3.86% | 3.63% | 8.97% | 11.45% | 11.32% | +745 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |