San Francisco, CA · Cert 58069
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #30 of 69 inst. · $0.7B of $513.2B
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 | 0.85% | 0.93% | 1.01% | 1.07% | 0.93% | +8 bps | |
| Return on Equity | 7.11% | 7.83% | 8.60% | 9.58% | 8.64% | +153 bps | |
| Net Interest Margin | 4.00% | 3.95% | 3.88% | 4.34% | 4.13% | +13 bps | |
| Efficiency Ratio | 67.33% | 64.80% | 63.60% | 63.24% | 64.08% | -325 bps | |
| Non-Interest Burden | 2.66% | 2.53% | 2.44% | 2.72% | 2.62% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.51% | 9.62% | 19.11% | 20.13% | 28.52% | +1,901 bps | |
| Loan Growth (YoY) | 7.12% | 12.00% | 22.65% | 20.01% | 26.30% | +1,918 bps | |
| Deposit Growth (YoY) | 9.07% | 9.17% | 20.13% | 21.04% | 27.22% | +1,815 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.18% | 0.11% | 0.13% | 0.09% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.32% | 1.29% | 1.23% | 1.22% | 1.19% | -12 bps | |
| Allowance Coverage of NPLs | 6.5x | 7.3x | 11.5x | 9.3x | 13.2x | +6.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.83% | 11.54% | 11.16% | 11.27% | 10.92% | -91 bps | |
| Total Risk-Based Capital | 18.93% | 18.37% | 17.39% | 16.84% | 15.61% | -332 bps | |
| Equity / Assets | 11.69% | 11.54% | 11.33% | 11.09% | 10.06% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.62% | 95.95% | 97.72% | 95.08% | 93.94% | -68 bps | |
| Liquid Assets / Assets | 11.69% | 10.62% | 8.30% | 11.07% | 13.72% | +203 bps | |
| CRE / Total Capital | n/a | 266% | 295% | 300% | n/a | n/a | |