San Gabriel, CA · Cert 58234
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #69 of 107 inst. · $0.4B of $667.8B
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 | 0.28% | -0.07% | 0.48% | 1.22% | 0.86% | -0.40% | 2.32% | 0.81% | -41 bps | |
| Return on Equity | 2.01% | -0.54% | 3.74% | 9.51% | 6.71% | -3.15% | 17.94% | 6.19% | -332 bps | |
| Net Interest Margin | 2.55% | 2.38% | 2.31% | 3.14% | 2.92% | 2.97% | 2.96% | 3.00% | -14 bps | |
| Efficiency Ratio | 67.41% | 74.65% | 72.16% | 50.42% | 58.68% | 135.09% | 36.43% | 62.63% | +1,220 bps | |
| Non-Interest Burden | 1.72% | 1.77% | 1.63% | 1.55% | 1.70% | 4.02% | -0.38% | 1.86% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.45% | 4.47% | 11.67% | 12.50% | 12.15% | 6.90% | 5.71% | 6.01% | -649 bps | |
| Loan Growth (YoY) | 1.76% | 1.70% | 8.11% | 16.85% | 11.33% | 13.95% | 10.59% | 0.29% | -1,656 bps | |
| Deposit Growth (YoY) | 2.09% | 8.99% | 15.14% | 17.38% | 16.53% | 9.52% | 6.43% | 6.07% | -1,131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.16% | 1.66% | 0.18% | 0.91% | 0.17% | 0.16% | 0.16% | -2 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.03% | -0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.57% | 1.78% | 1.70% | 1.51% | 1.60% | 1.38% | 1.37% | 1.38% | -13 bps | |
| Allowance Coverage of NPLs | 7.9x | 11.0x | 1.0x | 8.5x | 1.8x | 8.3x | 8.6x | 8.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.43% | 13.75% | 13.06% | 13.31% | 13.27% | 13.47% | 13.41% | 13.37% | +6 bps | |
| Total Risk-Based Capital | 14.43% | 13.75% | 13.06% | 13.31% | 13.27% | 13.47% | 13.41% | 13.37% | +6 bps | |
| Equity / Assets | 13.67% | 12.98% | 12.65% | 12.91% | 12.81% | 12.81% | 13.00% | 13.09% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.26% | 92.04% | 91.68% | 99.70% | 91.01% | 95.76% | 95.27% | 94.26% | -543 bps | |
| Liquid Assets / Assets | 12.10% | 14.62% | 13.94% | 9.80% | 17.02% | 11.50% | 11.95% | 12.55% | +276 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 445% | 455% | n/a | n/a | |