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 | |