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 | |