Los Angeles, CA · Cert 57944 · Op Bcorp
State charter, non-member · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
30
Profitability
39
Liquidity
89
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Los Angeles, CA · Cert 57944 · Op Bcorp
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.3% share · #30 of 107 inst. · $2.2B 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 | 0.98% | 0.95% | 0.94% | 0.99% | 1.02% | 1.05% | 1.16% | 1.20% | +21 bps | |
| Return on Equity | 11.34% | 11.07% | 11.16% | 11.84% | 12.13% | 12.18% | 12.14% | 12.57% | +73 bps | |
| Net Interest Margin | 2.78% | 2.76% | 2.88% | 2.93% | 2.97% | 2.97% | 3.14% | 3.07% | +14 bps | |
| Efficiency Ratio | 59.91% | 59.92% | 61.09% | 59.48% | 57.85% | 57.72% | 55.92% | 55.81% | -367 bps | |
| Non-Interest Burden | 1.39% | 1.38% | 1.45% | 1.46% | 1.44% | 1.46% | 1.49% | 1.40% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.44% | 10.16% | 12.46% | 11.92% | 9.50% | 12.05% | 7.42% | 7.12% | -481 bps | |
| Loan Growth (YoY) | 10.21% | 10.96% | 12.49% | 11.46% | 11.27% | 12.42% | 9.53% | 9.03% | -243 bps | |
| Deposit Growth (YoY) | 13.10% | 12.13% | 15.55% | 16.28% | 10.14% | 12.46% | 6.25% | 4.98% | -1,130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 1.30% | 1.27% | 1.09% | 1.39% | 1.59% | 2.19% | 2.09% | +100 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.04% | 0.04% | 0.02% | -0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 1.18% | 1.26% | 1.24% | 1.26% | 1.27% | 1.27% | 1.27% | 1.23% | -2 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.0x | 1.0x | 1.1x | 0.9x | 0.8x | 0.6x | 0.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.20% | 9.15% | 8.87% | 8.93% | 9.91% | 10.00% | 10.15% | +128 bps | |
| Total Risk-Based Capital | 12.69% | 12.50% | 12.24% | 12.15% | 12.06% | 13.30% | 13.18% | 13.35% | +120 bps | |
| Equity / Assets | 8.45% | 8.59% | 8.30% | 8.25% | 8.39% | 9.52% | 9.55% | 9.62% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.85% | 96.68% | 93.49% | 92.67% | 94.82% | 96.65% | 96.38% | 96.24% | +357 bps | |
| Liquid Assets / Assets | 5.96% | 5.19% | 7.42% | 7.37% | 5.96% | 5.90% | 5.47% | 5.58% | -178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 541% | 496% | 511% | n/a | n/a | |
Los Angeles, CA · Cert 57944 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Op Bcorp
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
1.18%
Rank 13 of 19
Net Interest Margin
3.07%
Rank 15 of 19
Efficiency Ratio
55.81%
Rank 13 of 19
Equity / Assets
9.62%
Rank 16 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 1.10% | 1.26% | 1.57% | Beats 32% | 13 / 19 | ||
| Return on Equity | 12.28% | 8.62% | 11.28% | 14.70% | Beats 63% | 7 / 19 | ||
| Net Interest Margin | 3.07% | 3.07% | 3.30% | 3.62% | Beats 21% | 15 / 19 | ||
| Efficiency Ratio | 55.81% | 33.01% | 51.12% | 56.65% | Beats 37% | 13 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.09% | 0.37% | 0.80% | 1.55% | Beats 6% | 17 / 17 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 53% | 9 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.10% | 12.10% | 14.67% | 23.92% | Beats 21% | 15 / 19 | ||
| Total Risk-Based Capital Ratio | 13.35% | 13.35% | 14.67% | 24.05% | Beats 21% | 15 / 19 | ||
| Equity / Assets | 9.62% | 9.84% | 11.18% | 14.01% | Beats 16% | 16 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.24% | 79.34% | 95.16% | 100.04% | 58th pctl | 8 / 19 | ||
| Loans / Assets | 83.04% | 69.86% | 77.55% | 83.04% | 74th pctl | 5 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||