La Jolla, CA · Cert 58291 · Private Bcorp of America Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
26
Profitability
92
Liquidity
89
Efficiency
91
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
La Jolla, CA · Cert 58291 · Private Bcorp of America Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.9% share · #13 of 42 inst. · $1.2B of $135.0B
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 | 1.56% | 1.63% | 1.79% | 1.78% | 1.72% | 1.70% | 1.91% | 2.02% | +24 bps | |
| Return on Equity | 16.40% | 17.09% | 18.01% | 17.53% | 16.73% | 16.37% | 17.62% | 18.54% | +101 bps | |
| Net Interest Margin | 4.25% | 4.33% | 4.56% | 4.71% | 4.62% | 4.62% | 5.08% | 5.06% | +35 bps | |
| Efficiency Ratio | 49.14% | 48.59% | 46.59% | 47.27% | 47.90% | 47.59% | 44.13% | 44.38% | -288 bps | |
| Non-Interest Burden | 1.96% | 1.96% | 1.98% | 2.08% | 2.06% | 2.06% | 2.08% | 2.12% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.04% | 12.64% | 13.50% | 7.42% | 7.99% | 4.55% | 8.50% | 10.32% | +290 bps | |
| Loan Growth (YoY) | 13.88% | 12.97% | 9.09% | 5.56% | 3.35% | 1.93% | 2.92% | 2.05% | -352 bps | |
| Deposit Growth (YoY) | 19.08% | 13.79% | 15.08% | 8.06% | 7.86% | 4.21% | 8.22% | 10.05% | +199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.55% | 0.75% | 0.37% | 1.81% | 1.98% | 1.61% | 1.26% | +89 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.25% | 0.12% | 0.15% | 0.22% | 0.21% | 0.08% | -5 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.27% | 1.35% | 1.38% | 1.38% | 1.41% | 1.43% | +8 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 1.7x | 3.6x | 0.8x | 0.7x | 0.9x | 1.1x | -2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.39% | 10.35% | 10.70% | 10.80% | 10.85% | 11.29% | 11.52% | +82 bps | |
| Total Risk-Based Capital | 12.37% | 12.54% | 13.00% | 13.37% | 13.81% | 13.90% | 14.20% | 14.86% | +149 bps | |
| Equity / Assets | 9.59% | 9.81% | 10.04% | 10.63% | 10.53% | 10.94% | 10.71% | 11.06% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.45% | 97.67% | 94.78% | 96.46% | 91.46% | 95.53% | 90.14% | 89.45% | -701 bps | |
| Liquid Assets / Assets | 7.61% | 6.24% | 7.34% | 4.67% | 8.96% | 5.79% | 9.73% | 9.65% | +498 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 516% | 507% | 495% | n/a | n/a | |
La Jolla, CA · Cert 58291 · Peer group: banks $1B-$10B in assets (n=322-328) · Private Bcorp of America Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.98%
Rank 25 of 328
Net Interest Margin
5.06%
Rank 16 of 328
Efficiency Ratio
44.38%
Rank 32 of 328
Equity / Assets
11.06%
Rank 126 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.98% | 0.91% | 1.22% | 1.52% | Beats 92% | 25 / 328 | ||
| Return on Equity | 17.86% | 8.43% | 11.45% | 14.43% | Beats 90% | 32 / 328 | ||
| Net Interest Margin | 5.06% | 3.03% | 3.45% | 3.83% | Beats 95% | 16 / 328 | ||
| Efficiency Ratio | 44.38% | 51.61% | 59.56% | 67.53% | Beats 91% | 32 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.24% | 0.51% | 1.03% | Beats 21% | 256 / 322 | ||
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 31% | 222 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.61% | 11.75% | 13.15% | 15.47% | Beats 57% | 142 / 328 | ||
| Total Risk-Based Capital Ratio | 14.86% | 12.63% | 14.15% | 16.46% | Beats 60% | 132 / 328 | ||
| Equity / Assets | 11.06% | 9.15% | 10.33% | 12.01% | Beats 62% | 126 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.45% | 76.63% | 87.92% | 95.36% | 53rd pctl | 152 / 323 | ||
| Loans / Assets | 78.76% | 65.18% | 74.15% | 79.98% | 70th pctl | 100 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||