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 | |