Westminster, CA · Cert 57974
National charter · OCC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #92 of 107 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 1.05% | 1.35% | 1.31% | 1.71% | +80 bps | |
| Return on Equity | 5.21% | 6.42% | 8.55% | 9.36% | 13.21% | +800 bps | |
| Net Interest Margin | 6.85% | 5.89% | 5.46% | 6.09% | 6.33% | -52 bps | |
| Efficiency Ratio | 87.42% | 84.81% | 81.62% | 78.15% | 73.16% | -1,426 bps | |
| Non-Interest Burden | 5.97% | 4.97% | 4.25% | 4.74% | 4.60% | -136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 29.84% | 53.57% | 55.21% | 51.99% | 61.21% | +3,137 bps | |
| Loan Growth (YoY) | 44.83% | 46.05% | 39.17% | 30.38% | 38.15% | -668 bps | |
| Deposit Growth (YoY) | 37.58% | 66.38% | 64.44% | 59.74% | 68.72% | +3,113 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 3.94% | 3.93% | 3.60% | 3.54% | 2.85% | -109 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.15% | 14.64% | 13.85% | 14.60% | 13.51% | -364 bps | |
| Total Risk-Based Capital | 25.61% | 14.64% | 13.85% | 14.60% | 13.51% | -1,209 bps | |
| Equity / Assets | 15.60% | 13.36% | 14.17% | 13.85% | 11.38% | -422 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.44% | 78.98% | 86.75% | 83.37% | 78.97% | -1,747 bps | |
| Liquid Assets / Assets | 17.97% | 30.09% | 23.85% | 26.99% | 26.78% | +881 bps | |
| CRE / Total Capital | n/a | 414% | 424% | 436% | n/a | n/a | |