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 (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 | 3.92% | 3.46% | 5.47% | 11.49% | 7.13% | 6.49% | 8.28% | 7.89% | -360 bps | |
| Return on Equity | 54.58% | 50.33% | 75.20% | 126.00% | 73.46% | 56.27% | 68.77% | 77.85% | -4,815 bps | |
| Net Interest Margin | 4.09% | 3.16% | 5.88% | 12.96% | 6.89% | 4.93% | 4.88% | 4.89% | -808 bps | |
| Efficiency Ratio | 46.77% | 58.09% | 40.92% | 26.49% | 33.53% | 47.46% | 38.88% | 38.93% | +1,245 bps | |
| Non-Interest Burden | -1.11% | -1.52% | -1.89% | -0.09% | -2.23% | -1.10% | -2.11% | -3.27% | -317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.47% | 63.98% | 60.73% | 54.10% | 77.57% | 15.65% | 76.78% | 112.10% | +5,800 bps | |
| Loan Growth (YoY) | 1.58% | 4.78% | 10.10% | 2.59% | 7.63% | -1.47% | 45.41% | 70.35% | +6,777 bps | |
| Deposit Growth (YoY) | 45.57% | 67.47% | 67.03% | 53.65% | 74.36% | 5.26% | 71.84% | 114.69% | +6,104 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.43% | 0.42% | 0.44% | 0.50% | 0.46% | 0.29% | 0.06% | -39 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.00% | -0.47% | -47 bps | |
| Allowance / Loans | 1.16% | 1.13% | 1.10% | 1.03% | 0.96% | 0.94% | 0.62% | 0.56% | -46 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.6x | 2.6x | 2.3x | 1.9x | 2.1x | 2.1x | 9.5x | +7.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.62% | 8.74% | 9.67% | 9.15% | 9.26% | 8.94% | 8.03% | 8.43% | -72 bps | |
| Total Risk-Based Capital | 20.31% | 20.30% | 19.94% | 28.89% | 29.62% | 30.97% | 24.07% | 25.37% | -352 bps | |
| Equity / Assets | 7.19% | 6.60% | 7.90% | 10.27% | 9.30% | 14.62% | 10.47% | 9.88% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.54% | 32.94% | 32.20% | 29.55% | 21.94% | 30.83% | 27.25% | 23.45% | -610 bps | |
| Liquid Assets / Assets | 32.47% | 33.05% | 29.18% | 28.40% | 41.81% | 15.71% | 31.58% | 32.50% | +410 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 129.79% | 110.00% | 91.04% | n/a | n/a | |