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 $124.3MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $1.1B28%Noninterest $0.4BQ3 2024Q2 2026

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 8.13%, down 44 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 0.06% of loans (-39 bps YoY), with net recoveries of 0.24%.
  • 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.

Return on Assets (YTD, annualized)

8.13%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.57%-401 bps YoY

Efficiency Ratio (YTD, annualized)

38.91%+744 bps YoY

Tier 1 Leverage Ratio

8.43%-72 bps YoY

NIM

4.32%Q2 ’2410.05%Q2 ’256.31%Q2 ’26+149%-47%

Non-interest income vs. expense

4.45%Q2 ’244.27%Q2 ’254.53%Q2 ’26-126%-253%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%2.29%5.47%8.58%7.80%7.76%8.28%8.13%-44 bps
Return on Equity23.47%31.27%75.20%102.92%90.08%79.09%68.77%73.35%-2,957 bps
Net Interest Margin3.25%3.01%5.88%8.58%7.16%5.74%4.88%4.57%-401 bps
Efficiency Ratio65.66%62.60%40.92%31.47%32.24%36.36%38.88%38.91%+744 bps
Non-Interest Burden1.17%0.42%-1.89%-0.72%-1.15%-1.00%-2.11%-2.55%-183 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 / Loans0.45%0.43%0.42%0.44%0.50%0.46%0.29%0.06%-39 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.00%0.00%0.08%0.00%-0.24%-24 bps
Allowance / Loans1.16%1.13%1.10%1.03%0.96%0.94%0.62%0.56%-46 bps
Allowance Coverage of NPLs2.6x2.6x2.6x2.3x1.9x2.1x2.1x9.5x+7.2x
Capital
Tier 1 Leverage Ratio8.62%8.74%9.67%9.15%9.26%8.94%8.03%8.43%-72 bps
Total Risk-Based Capital20.31%20.30%19.94%28.89%29.62%30.97%24.07%25.37%-352 bps
Equity / Assets7.19%6.60%7.90%10.27%9.30%14.62%10.47%9.88%-39 bps
Liquidity & Funding
Loans / Deposits35.54%32.94%32.20%29.55%21.94%30.83%27.25%23.45%-610 bps
Liquid Assets / Assets32.47%33.05%29.18%28.40%41.81%15.71%31.58%32.50%+410 bps
CRE / Total Capitaln/an/an/an/a129.79%110.00%91.04%n/an/a