Irvine, CA · Cert 58037
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #90 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 | 0.50% | 0.46% | 0.75% | 0.73% | 0.72% | +21 bps | |
| Return on Equity | 3.34% | 3.17% | 5.14% | 5.13% | 5.13% | +179 bps | |
| Net Interest Margin | 3.78% | 3.36% | 3.70% | 3.91% | 3.95% | +18 bps | |
| Efficiency Ratio | 90.61% | 91.09% | 86.57% | 86.69% | 86.88% | -373 bps | |
| Non-Interest Burden | 3.27% | 2.93% | 3.00% | 3.16% | 3.23% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.54% | 20.09% | 14.51% | 11.24% | 12.99% | -155 bps | |
| Loan Growth (YoY) | 14.89% | 8.60% | 2.02% | 10.35% | 4.14% | -1,075 bps | |
| Deposit Growth (YoY) | 12.56% | 19.59% | 16.82% | 12.77% | 15.02% | +245 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.86% | 1.73% | 2.34% | 0.49% | 0.55% | -132 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.76% | 1.85% | 1.76% | 1.51% | 1.56% | -20 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 0.7x | 3.1x | 2.9x | +1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.29% | 13.78% | 14.01% | 14.79% | 14.46% | -83 bps | |
| Total Risk-Based Capital | 19.33% | 18.85% | 19.26% | 20.47% | 21.00% | +168 bps | |
| Equity / Assets | 14.58% | 13.20% | 14.20% | 14.26% | 13.44% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.11% | 80.63% | 90.51% | 95.32% | 87.02% | -909 bps | |
| Liquid Assets / Assets | 7.26% | 2.62% | 2.01% | 2.44% | 1.92% | -534 bps | |
| CRE / Total Capital | n/a | 349% | 335% | 359% | n/a | n/a | |