Garden Grove, CA · Cert 58310 · US Metro Bcorp
State charter, non-member · FDIC · 9 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 in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
24
Profitability
30
Liquidity
98
Efficiency
11
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.
Garden Grove, CA · Cert 58310 · US Metro Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #39 of 107 inst. · $1.3B 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 | 0.64% | 0.63% | 0.82% | 0.82% | 0.84% | 0.83% | 1.01% | 1.01% | +19 bps | |
| Return on Equity | 6.96% | 6.91% | 9.20% | 9.06% | 9.32% | 9.01% | 10.03% | 10.08% | +102 bps | |
| Net Interest Margin | 2.61% | 2.62% | 2.94% | 2.99% | 2.97% | 2.92% | 3.24% | 3.30% | +30 bps | |
| Efficiency Ratio | 72.07% | 71.91% | 66.48% | 66.22% | 65.32% | 65.59% | 62.13% | 60.42% | -580 bps | |
| Non-Interest Burden | 1.64% | 1.64% | 1.66% | 1.71% | 1.62% | 1.56% | 1.37% | 1.36% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.68% | 13.94% | 9.44% | 7.74% | 12.97% | 11.10% | 10.30% | 12.98% | +524 bps | |
| Loan Growth (YoY) | 17.56% | 15.21% | 11.44% | 9.03% | 12.44% | 8.63% | 8.75% | 11.53% | +250 bps | |
| Deposit Growth (YoY) | 17.27% | 15.40% | 9.13% | 8.26% | 13.84% | 10.12% | 10.15% | 12.23% | +397 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.75% | 1.05% | 1.27% | 1.50% | 1.57% | 1.62% | 1.54% | +28 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.00% | 0.04% | 0.12% | 0.17% | 0.27% | 0.37% | +33 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.20% | 1.19% | 1.24% | 1.27% | 1.27% | +7 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.6x | 1.1x | 0.9x | 0.8x | 0.8x | 0.8x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.37% | 9.61% | 9.81% | 9.47% | 10.22% | 10.61% | 10.42% | +61 bps | |
| Total Risk-Based Capital | 13.32% | 12.86% | 12.82% | 13.21% | 13.16% | 14.10% | 14.05% | 13.60% | +39 bps | |
| Equity / Assets | 9.00% | 8.92% | 8.99% | 9.32% | 8.85% | 10.08% | 10.16% | 9.84% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.89% | 95.77% | 96.83% | 95.99% | 91.74% | 94.48% | 95.60% | 95.40% | -59 bps | |
| Liquid Assets / Assets | 12.32% | 9.25% | 9.38% | 9.48% | 13.25% | 12.01% | 11.07% | 10.61% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 641% | 579% | 582% | n/a | n/a | |
Garden Grove, CA · Cert 58310 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · US Metro Bcorp
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.98%
Rank 17 of 19
Net Interest Margin
3.30%
Rank 10 of 19
Efficiency Ratio
60.42%
Rank 18 of 19
Equity / Assets
9.84%
Rank 15 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 1.10% | 1.26% | 1.57% | Beats 11% | 17 / 19 | ||
| Return on Equity | 9.92% | 8.62% | 11.28% | 14.70% | Beats 32% | 13 / 19 | ||
| Net Interest Margin | 3.30% | 3.07% | 3.30% | 3.62% | Beats 47% | 10 / 19 | ||
| Efficiency Ratio | 60.42% | 33.01% | 51.12% | 56.65% | Beats 11% | 18 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.37% | 0.80% | 1.55% | Beats 35% | 12 / 17 | ||
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.05% | Beats 12% | 16 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.35% | 12.10% | 14.67% | 23.92% | Beats 32% | 13 / 19 | ||
| Total Risk-Based Capital Ratio | 13.60% | 13.35% | 14.67% | 24.05% | Beats 26% | 14 / 19 | ||
| Equity / Assets | 9.84% | 9.84% | 11.18% | 14.01% | Beats 21% | 15 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.40% | 79.34% | 95.16% | 100.04% | 53rd pctl | 9 / 19 | ||
| Loans / Assets | 83.57% | 69.86% | 77.55% | 83.04% | 79th pctl | 4 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||