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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 1.04% | 0.88% | 0.94% | 0.78% | 0.62% | 0.57% | 0.61% | -33 bps | |
| Return on Equity | 7.84% | 9.45% | 7.64% | 8.05% | 6.71% | 5.28% | 4.93% | 5.19% | -286 bps | |
| Net Interest Margin | 4.34% | 4.29% | 4.04% | 4.02% | 3.93% | 3.86% | 3.63% | 3.54% | -48 bps | |
| Efficiency Ratio | 62.31% | 59.95% | 72.12% | 70.17% | 67.44% | 63.09% | 78.25% | 76.41% | +624 bps | |
| Non-Interest Burden | 2.61% | 2.47% | 2.86% | 2.75% | 2.58% | 2.36% | 2.79% | 2.68% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.68% | 3.60% | 7.14% | 3.36% | 1.61% | 5.14% | 5.97% | 6.70% | +334 bps | |
| Loan Growth (YoY) | 14.52% | 6.69% | 0.18% | -4.62% | -7.35% | -2.67% | -1.05% | 1.93% | +655 bps | |
| Deposit Growth (YoY) | 4.59% | 2.45% | 6.54% | 2.48% | 0.52% | 4.59% | 6.26% | 6.72% | +424 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 2.01% | 2.06% | 1.46% | 2.43% | 3.44% | 3.75% | 2.30% | +84 bps | |
| Net Charge-Offs / Loans | 0.53% | 0.40% | 0.20% | 0.16% | 0.10% | 0.07% | 0.23% | 2.08% | +193 bps | |
| Allowance / Loans | 1.20% | 1.23% | 1.23% | 1.22% | 1.58% | 2.27% | 2.29% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.6x | 0.8x | 0.7x | 0.7x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.11% | 11.41% | 11.94% | 12.04% | 11.87% | 11.80% | 11.87% | 11.88% | -17 bps | |
| Total Risk-Based Capital | 15.35% | 16.34% | 17.20% | 17.52% | 17.76% | 17.24% | 17.71% | 17.54% | +2 bps | |
| Equity / Assets | 10.72% | 11.69% | 11.37% | 11.86% | 11.65% | 11.94% | 11.41% | 11.69% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.14% | 81.47% | 73.93% | 74.47% | 72.02% | 75.81% | 68.84% | 71.13% | -334 bps | |
| Liquid Assets / Assets | 22.35% | 19.96% | 22.20% | 21.23% | 24.16% | 16.28% | 19.50% | 17.71% | -352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 446% | 432% | n/a | n/a | |