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 (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 | 0.78% | 0.48% | 0.69% | 0.32% | 0.39% | 1.50% | 0.73% | 0.71% | +39 bps | |
| Return on Equity | 4.96% | 3.13% | 4.52% | 2.17% | 2.82% | 10.97% | 5.13% | 5.13% | +296 bps | |
| Net Interest Margin | 4.02% | 4.20% | 3.96% | 3.78% | 3.32% | 4.84% | 3.91% | 4.13% | +36 bps | |
| Efficiency Ratio | 86.00% | 85.34% | 87.51% | 93.74% | 92.07% | 76.35% | 86.69% | 87.06% | -669 bps | |
| Non-Interest Burden | 3.23% | 3.33% | 3.24% | 3.44% | 2.93% | 3.33% | 3.16% | 3.40% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | 5.94% | 12.59% | 14.54% | 20.09% | 14.51% | 11.24% | 12.99% | -155 bps | |
| Loan Growth (YoY) | 2.88% | 13.27% | 7.33% | 14.89% | 8.60% | 2.02% | 10.35% | 4.14% | -1,075 bps | |
| Deposit Growth (YoY) | -0.57% | 2.55% | 10.19% | 12.56% | 19.59% | 16.82% | 12.77% | 15.02% | +245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.94% | 2.38% | 2.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.90% | 1.79% | 1.84% | 1.76% | 1.85% | 1.76% | 1.51% | 1.56% | -20 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.8x | 0.9x | 1.1x | 0.7x | 3.1x | 2.9x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.97% | 16.46% | 15.93% | 15.29% | 13.78% | 14.01% | 14.79% | 14.46% | -83 bps | |
| Total Risk-Based Capital | 20.97% | 19.50% | 20.07% | 19.33% | 18.85% | 19.26% | 20.47% | 21.00% | +168 bps | |
| Equity / Assets | 15.35% | 15.52% | 15.23% | 14.58% | 13.20% | 14.20% | 14.26% | 13.44% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.80% | 103.64% | 97.41% | 96.11% | 80.63% | 90.51% | 95.32% | 87.02% | -909 bps | |
| Liquid Assets / Assets | 4.63% | 4.23% | 5.55% | 7.26% | 2.62% | 2.01% | 2.44% | 1.92% | -534 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 335% | 359% | n/a | n/a | |