Morgan Hill, CA · Cert 58297
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2026 SOD (annual) · 0.4% share · #15 of 42 inst. · $0.6B of $175.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.78% | 0.62% | 0.57% | 0.61% | -33 bps | |
| Return on Equity | 8.05% | 6.71% | 5.28% | 4.93% | 5.19% | -286 bps | |
| Net Interest Margin | 4.02% | 3.93% | 3.86% | 3.63% | 3.54% | -48 bps | |
| Efficiency Ratio | 70.17% | 67.44% | 63.09% | 78.25% | 76.41% | +624 bps | |
| Non-Interest Burden | 2.75% | 2.58% | 2.36% | 2.79% | 2.68% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 1.61% | 5.14% | 5.97% | 6.70% | +334 bps | |
| Loan Growth (YoY) | -4.62% | -7.35% | -2.67% | -1.05% | 1.93% | +655 bps | |
| Deposit Growth (YoY) | 2.48% | 0.52% | 4.59% | 6.26% | 6.72% | +424 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.46% | 2.43% | 3.44% | 3.75% | 2.30% | +84 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.10% | 0.07% | 0.23% | 2.08% | +193 bps | |
| Allowance / Loans | 1.22% | 1.58% | 2.27% | 2.29% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.7x | 0.6x | 0.6x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.04% | 11.87% | 11.80% | 11.87% | 11.88% | -17 bps | |
| Total Risk-Based Capital | 17.52% | 17.76% | 17.24% | 17.71% | 17.54% | +2 bps | |
| Equity / Assets | 11.86% | 11.65% | 11.94% | 11.41% | 11.69% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.47% | 72.02% | 75.81% | 68.84% | 71.13% | -334 bps | |
| Liquid Assets / Assets | 21.23% | 24.16% | 16.28% | 19.50% | 17.71% | -352 bps | |
| CRE / Total Capital | n/a | 434% | 446% | 432% | n/a | n/a | |