San Gabriel, CA · Cert 58401
State charter, non-member · FDIC · 4 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
24
Profitability
62
Liquidity
63
Efficiency
68
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.
San Gabriel, CA · Cert 58401
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #62 of 107 inst. · $0.4B 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 | 0.97% | 1.02% | 0.91% | 0.92% | 0.84% | 0.97% | 0.90% | 1.15% | +23 bps | |
| Return on Equity | 7.90% | 8.27% | 7.03% | 7.04% | 6.34% | 7.20% | 6.38% | 8.11% | +108 bps | |
| Net Interest Margin | 3.54% | 3.40% | 3.64% | 3.70% | 3.86% | 3.66% | 3.32% | 3.66% | -5 bps | |
| Efficiency Ratio | 62.37% | 59.96% | 60.63% | 60.88% | 60.86% | 60.87% | 68.08% | 58.92% | -196 bps | |
| Non-Interest Burden | 2.12% | 1.95% | 2.17% | 2.17% | 2.29% | 2.15% | 2.22% | 2.04% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.93% | 6.50% | -5.08% | -1.82% | -1.53% | -2.74% | 1.03% | -0.41% | +141 bps | |
| Loan Growth (YoY) | 11.82% | 11.29% | 14.29% | 5.20% | 4.98% | 0.76% | -3.90% | 4.92% | -27 bps | |
| Deposit Growth (YoY) | 11.20% | 6.85% | -5.28% | -1.54% | -4.51% | -2.66% | 0.30% | -1.96% | -41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 1.82% | 1.75% | 1.49% | 1.44% | 2.64% | 2.23% | 1.61% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.02% | 0.01% | 0.04% | +1 bps | |
| Allowance / Loans | 1.14% | 1.15% | 1.17% | 1.22% | 1.32% | 1.24% | 1.25% | 1.30% | +8 bps | |
| Allowance Coverage of NPLs | 2.6x | 0.6x | 0.7x | 0.8x | 0.9x | 0.5x | 0.6x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.89% | 12.70% | 12.99% | 13.61% | 13.99% | 13.85% | 13.95% | 14.43% | +82 bps | |
| Total Risk-Based Capital | 16.66% | 16.55% | 16.28% | 17.00% | 16.69% | 17.17% | 17.73% | 17.60% | +60 bps | |
| Equity / Assets | 12.58% | 12.70% | 13.22% | 13.51% | 13.68% | 14.03% | 14.03% | 14.62% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.37% | 93.62% | 98.98% | 94.98% | 101.55% | 96.91% | 94.82% | 101.65% | +666 bps | |
| Liquid Assets / Assets | 15.19% | 14.57% | 9.90% | 12.99% | 10.70% | 10.88% | 13.75% | 8.23% | -476 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 489% | 474% | 468% | n/a | n/a | |
San Gabriel, CA · Cert 58401 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.16%
Rank 9 of 28
Net Interest Margin
3.66%
Rank 15 of 28
Efficiency Ratio
58.92%
Rank 10 of 28
Equity / Assets
14.62%
Rank 16 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.39% | 0.81% | 1.45% | Beats 68% | 9 / 28 | ||
| Return on Equity | 7.96% | 2.58% | 5.09% | 9.10% | Beats 71% | 8 / 28 | ||
| Net Interest Margin | 3.66% | 3.22% | 3.68% | 4.12% | Beats 46% | 15 / 28 | ||
| Efficiency Ratio | 58.92% | 56.77% | 70.25% | 85.37% | Beats 68% | 10 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | n/a | 0.26% | 1.61% | Beats 26% | 21 / 27 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | n/a | 0.02% | Beats 22% | 22 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.35% | 13.70% | 16.46% | 19.75% | Beats 43% | 16 / 28 | ||
| Total Risk-Based Capital Ratio | 17.60% | 14.96% | 17.60% | 20.63% | Beats 50% | 14 / 28 | ||
| Equity / Assets | 14.62% | 11.97% | 15.41% | 17.42% | Beats 43% | 16 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.65% | 84.00% | 97.95% | 102.47% | 71st pctl | 8 / 28 | ||
| Loans / Assets | 85.48% | 69.18% | 76.59% | 81.19% | 89th pctl | 3 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||