Chico, CA · Cert 58224
National charter · OCC · 2 branches
Q2 2026
Market Position · Chico, CA · 2026 SOD (annual) · 21.7% share · #1 of 13 inst. · $1.5B of $7.0B
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 | 8.58% | 7.80% | 7.76% | 8.28% | 8.13% | -44 bps | |
| Return on Equity | 102.92% | 90.08% | 79.09% | 68.77% | 73.35% | -2,957 bps | |
| Net Interest Margin | 8.58% | 7.16% | 5.74% | 4.88% | 4.57% | -401 bps | |
| Efficiency Ratio | 31.47% | 32.24% | 36.36% | 38.88% | 38.91% | +744 bps | |
| Non-Interest Burden | -0.72% | -1.15% | -1.00% | -2.11% | -2.55% | -183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 54.10% | 77.57% | 15.65% | 76.78% | 112.10% | +5,800 bps | |
| Loan Growth (YoY) | 2.59% | 7.63% | -1.47% | 45.41% | 70.35% | +6,777 bps | |
| Deposit Growth (YoY) | 53.65% | 74.36% | 5.26% | 71.84% | 114.69% | +6,104 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.50% | 0.46% | 0.29% | 0.06% | -39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.08% | 0.00% | -0.24% | -24 bps | |
| Allowance / Loans | 1.03% | 0.96% | 0.94% | 0.62% | 0.56% | -46 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.9x | 2.1x | 2.1x | 9.5x | +7.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 9.26% | 8.94% | 8.03% | 8.43% | -72 bps | |
| Total Risk-Based Capital | 28.89% | 29.62% | 30.97% | 24.07% | 25.37% | -352 bps | |
| Equity / Assets | 10.27% | 9.30% | 14.62% | 10.47% | 9.88% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.55% | 21.94% | 30.83% | 27.25% | 23.45% | -610 bps | |
| Liquid Assets / Assets | 28.40% | 41.81% | 15.71% | 31.58% | 32.50% | +410 bps | |
| CRE / Total Capital | n/a | 129.79% | 110.00% | 91.04% | n/a | n/a | |