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Mega Bank

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

$506.7MAssets
$433.1MLoans
$426.1MDeposits
$74.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 8 of 28).
  • Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 22 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

$1.5M$12.0MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 68% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 58.92%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.39%0.81%1.45%Beats 68%9 / 28
Return on Equity7.96%2.58%5.09%9.10%Beats 71%8 / 28
Net Interest Margin3.66%3.22%3.68%4.12%Beats 46%15 / 28
Efficiency Ratio58.92%56.77%70.25%85.37%Beats 68%10 / 28
Asset Quality
Nonperforming Loans / Loans1.61%n/a0.26%1.61%Beats 26%21 / 27
Net Charge-Offs / Loans0.02%n/an/a0.02%Beats 22%22 / 27
Capital
Tier 1 Capital Ratio16.35%13.70%16.46%19.75%Beats 43%16 / 28
Total Risk-Based Capital Ratio17.60%14.96%17.60%20.63%Beats 50%14 / 28
Equity / Assets14.62%11.97%15.41%17.42%Beats 43%16 / 28
Liquidity & Funding
Loans / Deposits101.65%84.00%97.95%102.47%71st pctl8 / 28
Loans / Assets85.48%69.18%76.59%81.19%89th pctl3 / 28
Brokered Deposits / Depositsn/aNot reported for this institution