Red Bluff, CA · Cert 58411
FDIC · 4 branches
Q2 2025
Market Position · Redding, CA · 2025 SOD (annual) · 8.7% share · #7 of 12 inst. · $0.4B of $4.5B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | -0.44% | -0.04% | 0.92% | -0.38% | -131 bps | |
| Return on Equity | 11.06% | -5.36% | -0.51% | 11.00% | -4.55% | -1,561 bps | |
| Net Interest Margin | 3.03% | 2.91% | 2.97% | 3.11% | 3.12% | +9 bps | |
| Efficiency Ratio | 58.75% | 59.77% | 58.88% | 61.67% | 128.68% | +6,993 bps | |
| Non-Interest Burden | 1.69% | 1.65% | 1.66% | 1.83% | 4.08% | +239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.02% | 6.31% | 2.33% | -3.34% | -3.01% | -1,203 bps | |
| Loan Growth (YoY) | 11.34% | 3.63% | 3.45% | 0.69% | -4.05% | -1,539 bps | |
| Deposit Growth (YoY) | 4.64% | 2.33% | 3.52% | -3.04% | -2.51% | -715 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.08% | 0.08% | 0.09% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 2.56% | 1.88% | 0.00% | -0.65% | -65 bps | |
| Allowance / Loans | 1.23% | 1.27% | 1.24% | 1.27% | 1.30% | +7 bps | |
| Allowance Coverage of NPLs | 17.0x | n/a | 15.1x | 15.3x | 15.3x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.87% | 8.90% | 9.26% | 9.75% | 9.29% | -58 bps | |
| Total Risk-Based Capital | 12.85% | 12.01% | 12.38% | 12.83% | 12.57% | -27 bps | |
| Equity / Assets | 8.41% | 7.80% | 8.17% | 8.52% | 8.04% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.58% | 82.63% | 85.29% | 85.84% | 82.26% | -132 bps | |
| Liquid Assets / Assets | 6.34% | 6.02% | 3.81% | 2.70% | 6.53% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |