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 | |