Las Vegas, NV · Cert 57833
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 1.2% share · #13 of 41 inst. · $1.1B of $95.0B
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 | -5.82% | 6.50% | -0.31% | 0.68% | 0.39% | 1.79% | 2.55% | 14.60% | +1,392 bps | |
| Return on Equity | -28.19% | 32.29% | -1.59% | 3.66% | 2.09% | 9.35% | 12.33% | 63.47% | +5,981 bps | |
| Net Interest Margin | -0.25% | 1.60% | 2.34% | 2.38% | 1.66% | 2.05% | 2.67% | 15.36% | +1,298 bps | |
| Efficiency Ratio | 10.44% | 4.46% | 197.25% | 27.61% | 59.97% | 18.19% | 13.42% | 3.90% | -2,371 bps | |
| Non-Interest Burden | 6.84% | -6.85% | 2.61% | 0.95% | 1.25% | -0.36% | -1.15% | -0.54% | -149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -29.11% | -26.23% | -9.67% | -2.94% | -6.08% | -10.50% | -20.02% | -34.97% | -3,203 bps | |
| Loan Growth (YoY) | 21.46% | 5.96% | 38.40% | 40.40% | 24.01% | 34.48% | 15.10% | 10.83% | -2,956 bps | |
| Deposit Growth (YoY) | -16.95% | 1.42% | 48.14% | -38.15% | -44.20% | -59.73% | -58.82% | -71.51% | -3,336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 13.76% | 13.25% | 10.79% | 10.96% | 2.62% | 2.76% | 2.60% | 0.78% | -1,017 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.10% | -0.02% | 2.39% | -0.99% | -0.03% | -0.01% | -9.69% | -1,209 bps | |
| Allowance / Loans | 0.81% | 0.77% | 0.66% | 0.67% | 0.97% | 1.05% | 1.18% | 1.36% | +69 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.4x | 0.4x | 0.5x | 1.7x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.84% | 19.61% | 18.77% | 18.61% | 18.65% | 19.27% | 22.00% | 21.89% | +328 bps | |
| Total Risk-Based Capital | 76.19% | 71.60% | 53.19% | 54.22% | 58.56% | 54.35% | 53.79% | 52.89% | -133 bps | |
| Equity / Assets | 19.79% | 20.51% | 19.04% | 18.28% | 19.16% | 19.21% | 22.24% | 23.91% | +562 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.34% | 33.48% | 40.64% | 61.42% | 69.66% | 111.79% | 113.60% | 239% | +17,754 bps | |
| Liquid Assets / Assets | 1.65% | 2.13% | 0.56% | 4.22% | 2.83% | 4.52% | 3.97% | 1.28% | -295 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 45.74% | 52.28% | 58.36% | n/a | n/a | |