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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.37% | 0.48% | 0.85% | 0.86% | 0.53% | 2.32% | 1.56% | +70 bps | |
| Return on Equity | 3.81% | 2.71% | 3.74% | 6.64% | 6.66% | 4.16% | 17.94% | 12.01% | +537 bps | |
| Net Interest Margin | 2.59% | 2.45% | 2.31% | 2.72% | 2.75% | 2.85% | 2.96% | 2.95% | +24 bps | |
| Efficiency Ratio | 65.88% | 68.00% | 72.16% | 59.75% | 59.37% | 78.91% | 36.43% | 46.16% | -1,359 bps | |
| Non-Interest Burden | 1.70% | 1.66% | 1.63% | 1.59% | 1.60% | 2.24% | -0.38% | 0.74% | -84 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 | 0.01% | 0.00% | -0.03% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 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 | |