Rowland Heights, CA · Cert 58060
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #45 of 107 inst. · $0.8B 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 | 3.32% | 3.13% | 2.51% | 2.65% | 2.69% | 2.56% | 2.26% | 2.31% | -34 bps | |
| Return on Equity | 14.54% | 13.60% | 10.41% | 10.84% | 10.86% | 10.23% | 8.64% | 8.88% | -196 bps | |
| Net Interest Margin | 5.88% | 5.71% | 5.12% | 5.28% | 5.29% | 5.25% | 4.75% | 4.78% | -50 bps | |
| Efficiency Ratio | 23.46% | 26.17% | 29.96% | 28.45% | 28.36% | 31.42% | 32.45% | 31.65% | +321 bps | |
| Non-Interest Burden | 1.08% | 1.25% | 1.46% | 1.42% | 1.42% | 1.57% | 1.48% | 1.45% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | 0.24% | 3.21% | 1.36% | -0.41% | -1.48% | -0.15% | 3.33% | +197 bps | |
| Loan Growth (YoY) | -8.80% | -5.20% | 3.28% | 10.44% | 7.94% | 8.45% | 4.17% | 1.55% | -889 bps | |
| Deposit Growth (YoY) | -0.17% | 1.60% | 0.89% | -1.07% | -3.41% | -4.88% | -2.90% | 1.67% | +273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 1.25% | 1.08% | 1.05% | 0.97% | 2.03% | 2.00% | 1.83% | +78 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.42% | 1.38% | 1.34% | 1.39% | 1.38% | 1.39% | 1.39% | +4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.3x | 1.3x | 1.4x | 0.7x | 0.7x | 0.8x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.96% | 23.90% | 24.65% | 25.13% | 25.61% | 25.85% | 26.44% | 26.30% | +117 bps | |
| Total Risk-Based Capital | 23.96% | 23.90% | 24.65% | 25.13% | 25.61% | 25.85% | 26.44% | 26.30% | +117 bps | |
| Equity / Assets | 23.65% | 23.71% | 24.57% | 25.05% | 25.67% | 25.91% | 26.39% | 25.80% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.23% | 100.18% | 106.77% | 112.84% | 110.89% | 114.23% | 114.55% | 112.71% | -13 bps | |
| Liquid Assets / Assets | 22.95% | 23.12% | 18.71% | 14.87% | 16.77% | 15.42% | 15.40% | 16.31% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 282% | 271% | 263% | n/a | n/a | |