Arcadia, CA · Cert 58469
National charter · OCC · 4 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #48 of 107 inst. · $0.7B of $667.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 1.34% | 1.63% | 1.43% | 1.80% | 2.30% | 1.63% | 1.98% | +55 bps | |
| Return on Equity | 11.52% | 7.88% | 9.67% | 8.88% | 11.43% | 14.09% | 9.94% | 12.25% | +336 bps | |
| Net Interest Margin | 3.49% | 3.47% | 3.47% | 3.66% | 3.90% | 3.84% | 3.92% | 3.94% | +28 bps | |
| Efficiency Ratio | 29.66% | 37.20% | 35.06% | 33.52% | 39.06% | 29.92% | 33.42% | 30.45% | -307 bps | |
| Non-Interest Burden | 0.48% | 1.14% | 1.05% | 1.15% | 1.33% | 0.48% | 1.24% | 0.84% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.96% | 13.92% | 14.82% | 25.62% | 14.38% | 13.07% | 13.70% | 7.17% | -1,845 bps | |
| Loan Growth (YoY) | 8.12% | 14.15% | 19.05% | 29.95% | 20.16% | 16.09% | 12.83% | 4.66% | -2,528 bps | |
| Deposit Growth (YoY) | 13.42% | 14.32% | 15.79% | 29.19% | 15.72% | 14.71% | 12.98% | 4.20% | -2,500 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.04% | +4 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 | 1.40% | 1.44% | 1.41% | 1.39% | 1.43% | 1.42% | 1.50% | 1.50% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 35.7x | 38.0x | 42.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.01% | 17.56% | 17.14% | 15.72% | 15.90% | 16.50% | 16.49% | 16.46% | +75 bps | |
| Total Risk-Based Capital | 18.01% | 17.56% | 17.14% | 15.72% | 15.90% | 16.50% | 16.49% | 16.46% | +75 bps | |
| Equity / Assets | 17.18% | 16.94% | 16.79% | 15.42% | 16.14% | 16.56% | 16.32% | 16.04% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.09% | 106.38% | 107.33% | 107.03% | 106.01% | 107.65% | 107.19% | 107.51% | +48 bps | |
| Liquid Assets / Assets | 4.56% | 2.98% | 3.31% | 2.62% | 3.62% | 2.58% | 4.33% | 4.23% | +161 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 470% | 465% | 467% | n/a | n/a | |