PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Column National Association

Chico, CA · Cert 58224

National charter · OCC · 2 branches

Q2 2026

$1.8BAssets
$358.6MLoans
$1.5BDeposits
$174.8MEquity
Loan mix
52%RE $166.5M9%C&I $29.6M39%Consumer $124.3MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $1.1B28%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.54%Q2 ’2414.89%Q2 ’256.56%Q2 ’26+268%-62%

Non-interest income vs. expense

4.54%Q2 ’244.70%Q2 ’255.20%Q2 ’26-103%-3345%

Market Position · Chico, CA · 2026 SOD (annual) · 21.7% share · #1 of 13 inst. · $1.5B of $7.0B

21.7% Butte
0.0% Salt Lake

Executive Summary

  • Earnings: ROA of 7.89%, down 360 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.06% of loans (-39 bps YoY), with net recoveries of 0.47%.
  • Capital: tier 1 leverage ratio of 8.43%, down 72 bps from a year ago.
  • Funding: loans stand at 23.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

7.89%-360 bps YoY

Net Interest Margin (quarter, annualized)

4.89%-808 bps YoY

Efficiency Ratio (quarter, annualized)

38.93%+1,245 bps YoY

Tier 1 Leverage Ratio

8.43%-72 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.49%7.13%6.49%8.28%7.89%-360 bps
Return on Equity126.00%73.46%56.27%68.77%77.85%-4,815 bps
Net Interest Margin12.96%6.89%4.93%4.88%4.89%-808 bps
Efficiency Ratio26.49%33.53%47.46%38.88%38.93%+1,245 bps
Non-Interest Burden-0.09%-2.23%-1.10%-2.11%-3.27%-317 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 / Loans0.44%0.50%0.46%0.29%0.06%-39 bps
Net Charge-Offs / Loans0.00%0.00%0.31%0.00%-0.47%-47 bps
Allowance / Loans1.03%0.96%0.94%0.62%0.56%-46 bps
Allowance Coverage of NPLs2.3x1.9x2.1x2.1x9.5x+7.2x
Capital
Tier 1 Leverage Ratio9.15%9.26%8.94%8.03%8.43%-72 bps
Total Risk-Based Capital28.89%29.62%30.97%24.07%25.37%-352 bps
Equity / Assets10.27%9.30%14.62%10.47%9.88%-39 bps
Liquidity & Funding
Loans / Deposits29.55%21.94%30.83%27.25%23.45%-610 bps
Liquid Assets / Assets28.40%41.81%15.71%31.58%32.50%+410 bps
CRE / Total Capitaln/a129.79%110.00%91.04%n/an/a