Las Vegas, NV · Cert 58443
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.2% share · #23 of 41 inst. · $0.2B of $95.0B
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 | 1.92% | 1.93% | 1.51% | 1.82% | 1.83% | 1.94% | 2.48% | 2.16% | +34 bps | |
| Return on Equity | 7.26% | 7.29% | 5.60% | 6.76% | 6.77% | 7.10% | 8.93% | 7.74% | +99 bps | |
| Net Interest Margin | 4.15% | 4.23% | 4.23% | 4.40% | 4.21% | 4.20% | 5.01% | 4.43% | +2 bps | |
| Efficiency Ratio | 43.81% | 42.79% | 45.10% | 41.90% | 42.24% | 41.09% | 35.93% | 38.71% | -319 bps | |
| Non-Interest Burden | 1.70% | 1.70% | 1.81% | 1.75% | 1.69% | 1.64% | 1.69% | 1.62% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.29% | 9.83% | 7.97% | 5.19% | 0.91% | 1.34% | 8.71% | 3.16% | -203 bps | |
| Loan Growth (YoY) | 6.89% | 6.23% | 14.43% | 7.06% | 3.52% | -4.57% | -9.87% | -2.50% | -956 bps | |
| Deposit Growth (YoY) | 14.64% | 10.71% | 8.07% | 4.17% | -1.25% | -1.00% | 9.01% | 1.29% | -289 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.95% | 3.92% | 3.31% | 1.53% | 7.89% | 2.33% | 0.71% | 0.70% | -83 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.33% | 1.42% | 1.38% | 1.49% | 1.48% | 1.47% | +5 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.9x | 0.2x | 0.6x | 2.1x | 2.1x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 24.94% | 25.87% | 25.66% | 26.43% | 25.99% | 25.94% | 27.25% | 26.27% | -16 bps | |
| Total Risk-Based Capital | 24.94% | 25.87% | 25.66% | 26.43% | 25.99% | 25.94% | 27.25% | 26.27% | -16 bps | |
| Equity / Assets | 25.41% | 26.70% | 27.16% | 27.03% | 27.06% | 28.47% | 27.13% | 28.32% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.96% | 95.07% | 102.48% | 93.43% | 94.30% | 91.64% | 84.72% | 89.94% | -349 bps | |
| Liquid Assets / Assets | 12.95% | 11.49% | 11.41% | 20.42% | 20.18% | 25.05% | 29.95% | 27.58% | +716 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 237% | 234% | n/a | n/a | |