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 (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 | 5.31% | 5.60% | -0.31% | 0.19% | 0.26% | 0.63% | 2.55% | 8.19% | +801 bps | |
| Return on Equity | 27.15% | 28.36% | -1.59% | 0.99% | 1.35% | 3.28% | 12.33% | 37.98% | +3,699 bps | |
| Net Interest Margin | 0.95% | 1.13% | 2.34% | 2.34% | 2.11% | 2.36% | 2.67% | 9.12% | +678 bps | |
| Efficiency Ratio | 10.44% | 8.90% | 197.25% | 48.63% | 52.18% | 37.43% | 13.42% | 6.02% | -4,261 bps | |
| Non-Interest Burden | -6.48% | -6.71% | 2.61% | 1.76% | 1.59% | 1.30% | -1.15% | -0.89% | -265 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 | 0.20% | 0.17% | -0.02% | 1.19% | 0.47% | 0.30% | -0.01% | -4.85% | -604 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 | |