Los Angeles, CA · Cert 57873 · CBB Bcorp Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #42 of 107 inst. · $1.1B of $667.8B
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 | 1.34% | 1.33% | 1.02% | 1.01% | 1.00% | 0.98% | 1.16% | 1.09% | +8 bps | |
| Return on Equity | 9.46% | 9.43% | 7.21% | 7.13% | 7.13% | 7.09% | 8.59% | 7.98% | +85 bps | |
| Net Interest Margin | 3.67% | 3.48% | 3.25% | 3.34% | 3.32% | 3.05% | 3.02% | 3.09% | -25 bps | |
| Efficiency Ratio | 54.44% | 54.45% | 59.12% | 58.86% | 59.35% | 60.03% | 53.82% | 56.65% | -221 bps | |
| Non-Interest Burden | 1.74% | 1.66% | 1.73% | 1.77% | 1.79% | 1.67% | 1.28% | 1.45% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.78% | 3.13% | 8.42% | 9.66% | 10.84% | 10.54% | 9.75% | 8.35% | -132 bps | |
| Loan Growth (YoY) | 0.02% | 1.11% | 4.16% | 1.70% | 1.88% | 1.73% | 1.11% | 4.24% | +253 bps | |
| Deposit Growth (YoY) | -6.53% | 1.89% | 8.58% | 13.72% | 15.06% | 15.28% | 14.13% | 9.11% | -461 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.63% | 1.38% | 1.74% | 1.76% | 1.53% | 1.68% | 1.88% | +15 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.42% | 0.21% | 0.12% | 0.09% | 0.00% | 0.00% | -21 bps | |
| Allowance / Loans | 1.12% | 1.11% | 1.02% | 1.06% | 1.12% | 1.12% | 1.15% | 1.14% | +8 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.7x | 0.7x | 0.6x | 0.6x | 0.7x | 0.7x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.58% | 14.07% | 14.00% | 14.45% | 14.32% | 13.23% | 13.76% | 13.93% | -51 bps | |
| Total Risk-Based Capital | 20.18% | 20.16% | 20.18% | 20.09% | 20.42% | 20.20% | 20.45% | 19.87% | -22 bps | |
| Equity / Assets | 14.10% | 14.00% | 14.21% | 14.40% | 13.51% | 13.37% | 13.70% | 14.01% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.09% | 97.07% | 98.15% | 95.85% | 86.85% | 85.66% | 86.96% | 91.56% | -428 bps | |
| Liquid Assets / Assets | 14.10% | 15.16% | 14.18% | 13.68% | 20.27% | 21.84% | 20.99% | 17.67% | +399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 482% | 475% | 465% | n/a | n/a | |