North Las Vegas, NV · Cert 57933
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #22 of 41 inst. · $0.2B 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 | 1.33% | 0.86% | 0.77% | 0.75% | 0.36% | 0.85% | 0.53% | 0.57% | -19 bps | |
| Return on Equity | 13.61% | 8.85% | 8.08% | 7.95% | 3.64% | 8.31% | 5.33% | 5.75% | -221 bps | |
| Net Interest Margin | 4.07% | 4.04% | 3.89% | 3.89% | 3.27% | 3.61% | 3.42% | 3.35% | -53 bps | |
| Efficiency Ratio | 64.23% | 71.53% | 72.54% | 68.08% | 85.41% | 70.62% | 74.07% | 77.28% | +920 bps | |
| Non-Interest Burden | 2.38% | 2.85% | 2.79% | 2.62% | 2.78% | 2.52% | 2.51% | 2.57% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | 0.85% | 14.78% | 16.02% | 6.24% | 1.32% | 5.57% | 1.08% | -1,494 bps | |
| Loan Growth (YoY) | 3.73% | 9.03% | 0.80% | 2.57% | 2.00% | 0.51% | 5.22% | 3.85% | +128 bps | |
| Deposit Growth (YoY) | -5.39% | -0.08% | 15.53% | 16.88% | 6.61% | 0.60% | 5.56% | 0.55% | -1,632 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.77% | 0.75% | 0.67% | 0.65% | 0.64% | 0.63% | 1.52% | 0.61% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.65% | 1.59% | 1.69% | 1.71% | 1.70% | 1.76% | 1.77% | +9 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 2.4x | 2.6x | 2.7x | 2.7x | 1.2x | 2.9x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.11% | 10.20% | 9.97% | 10.09% | 10.36% | 10.14% | 10.31% | +34 bps | |
| Total Risk-Based Capital | 16.29% | 16.31% | 16.75% | 16.98% | 17.29% | 17.15% | 16.65% | 16.81% | -16 bps | |
| Equity / Assets | 9.74% | 9.66% | 9.38% | 9.58% | 10.04% | 10.46% | 9.58% | 10.10% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.70% | 67.11% | 61.64% | 62.56% | 64.77% | 67.04% | 61.44% | 64.61% | +205 bps | |
| Liquid Assets / Assets | 25.59% | 24.22% | 24.35% | 23.11% | 23.60% | 15.72% | 18.60% | 15.85% | -726 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 478% | 464% | 472% | n/a | n/a | |