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 (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 | 1.20% | 1.04% | 0.70% | 1.00% | 1.07% | 1.24% | 1.07% | 0.81% | -18 bps | |
| Return on Equity | 10.29% | 8.73% | 5.78% | 8.42% | 9.22% | 10.81% | 9.58% | 7.71% | -71 bps | |
| Net Interest Margin | 4.02% | 4.12% | 4.06% | 4.18% | 4.25% | 4.38% | 4.34% | 4.15% | -3 bps | |
| Efficiency Ratio | 58.10% | 69.64% | 71.27% | 63.70% | 60.27% | 60.57% | 63.24% | 64.91% | +121 bps | |
| Non-Interest Burden | 2.30% | 2.84% | 2.86% | 2.64% | 2.53% | 2.61% | 2.72% | 2.67% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 0.57% | 4.20% | 9.51% | 9.62% | 19.11% | 20.13% | 28.52% | +1,901 bps | |
| Loan Growth (YoY) | 2.86% | 1.20% | 5.40% | 7.12% | 12.00% | 22.65% | 20.01% | 26.30% | +1,918 bps | |
| Deposit Growth (YoY) | 3.48% | -0.88% | 3.42% | 9.07% | 9.17% | 20.13% | 21.04% | 27.22% | +1,815 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.22% | 0.20% | 0.18% | 0.11% | 0.13% | 0.09% | -11 bps | |
| Net Charge-Offs / Loans | -0.11% | 0.00% | 0.00% | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.31% | 1.31% | 1.32% | 1.29% | 1.23% | 1.22% | 1.19% | -12 bps | |
| Allowance Coverage of NPLs | 2.6x | 5.1x | 6.0x | 6.5x | 7.3x | 11.5x | 9.3x | 13.2x | +6.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 12.05% | 12.30% | 11.83% | 11.54% | 11.16% | 11.27% | 10.92% | -91 bps | |
| Total Risk-Based Capital | 19.16% | 19.95% | 19.41% | 18.93% | 18.37% | 17.39% | 16.84% | 15.61% | -332 bps | |
| Equity / Assets | 11.58% | 12.24% | 12.01% | 11.69% | 11.54% | 11.33% | 11.09% | 10.06% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.52% | 95.71% | 95.90% | 94.62% | 95.95% | 97.72% | 95.08% | 93.94% | -68 bps | |
| Liquid Assets / Assets | 13.07% | 11.24% | 10.82% | 11.69% | 10.62% | 8.30% | 11.07% | 13.72% | +203 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 266% | 295% | 300% | n/a | n/a | |