El Centro, CA · Cert 58500
FDIC · 5 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=528 to 576). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
67
Profitability
61
Liquidity
24
Efficiency
39
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
El Centro, CA · Cert 58500
FDIC · 5 branches
Q2 2025
Market Position · El Centro, CA · 2025 SOD (annual) · 9.7% share · #5 of 7 inst. · $0.2B of $2.5B
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.38% | 1.27% | 1.30% | 1.35% | 1.35% | 0.51% | 0.91% | -39 bps | |
| Return on Equity | 11.23% | 11.70% | 10.82% | 11.12% | 11.56% | 11.53% | 4.51% | 8.31% | -281 bps | |
| Net Interest Margin | 3.94% | 4.09% | 4.07% | 4.13% | 4.03% | 4.05% | 4.19% | 4.21% | +8 bps | |
| Efficiency Ratio | 55.09% | 53.95% | 55.63% | 54.38% | 53.63% | 54.36% | 83.46% | 74.99% | +2,061 bps | |
| Non-Interest Burden | 2.12% | 2.15% | 2.21% | 2.19% | 2.09% | 2.12% | 3.45% | 3.00% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.80% | 7.00% | 3.13% | 6.22% | 6.89% | 4.82% | 6.01% | 4.52% | -169 bps | |
| Loan Growth (YoY) | 5.79% | 3.31% | 6.59% | 15.49% | 16.95% | 13.37% | 11.81% | 6.20% | -929 bps | |
| Deposit Growth (YoY) | 7.98% | 8.50% | 2.91% | 3.95% | 7.10% | 4.37% | 6.99% | 7.61% | +367 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.18% | 0.16% | 0.02% | 0.10% | 0.13% | 0.09% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.01% | -0.01% | 0.02% | 0.01% | -0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.08% | 1.06% | 1.03% | 1.03% | 1.02% | 1.02% | -4 bps | |
| Allowance Coverage of NPLs | 1.5x | 6.1x | 6.7x | 59.1x | 10.8x | 7.8x | 11.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.68% | 11.80% | 11.94% | 11.92% | 11.71% | 12.00% | 10.82% | 10.18% | -175 bps | |
| Total Risk-Based Capital | 11.68% | 11.80% | 11.94% | 11.92% | 11.71% | 12.00% | 10.82% | 10.18% | -175 bps | |
| Equity / Assets | 11.73% | 11.69% | 11.72% | 11.58% | 11.58% | 12.05% | 10.73% | 10.11% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.54% | 89.34% | 90.82% | 96.79% | 94.49% | 97.05% | 94.91% | 95.52% | -127 bps | |
| Liquid Assets / Assets | 18.62% | 15.98% | 14.71% | 11.30% | 11.84% | 9.66% | 10.90% | 10.35% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
El Centro, CA · Cert 58500 · Peer group: banks under $1B in assets (n=528-576)
FDIC · 5 branches
Q2 2025
Return on Assets
0.89%
Rank 294 of 576
Net Interest Margin
4.21%
Rank 87 of 575
Efficiency Ratio
74.99%
Rank 354 of 575
Equity / Assets
10.11%
Rank 290 of 575
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.51% | 0.91% | 1.43% | Beats 49% | 294 / 576 | ||
| Return on Equity | 8.84% | 4.85% | 8.92% | 13.13% | Beats 49% | 296 / 575 | ||
| Net Interest Margin | 4.21% | 2.85% | 3.33% | 3.90% | Beats 85% | 87 / 575 | ||
| Efficiency Ratio | 74.99% | 58.61% | 70.08% | 82.08% | Beats 39% | 354 / 575 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 0.93% | Beats 100% | 84 / 528 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 347 / 528 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.18% | 11.22% | 13.91% | 18.96% | Beats 11% | 511 / 575 | ||
| Total Risk-Based Capital Ratio | 10.18% | 11.76% | 14.45% | 19.92% | Beats 9% | 522 / 575 | ||
| Equity / Assets | 10.11% | 8.53% | 10.12% | 12.97% | Beats 50% | 290 / 575 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.52% | 64.54% | 78.36% | 91.99% | 82nd pctl | 98 / 538 | ||
| Loans / Assets | 83.97% | 55.85% | 68.40% | 77.98% | 90th pctl | 52 / 528 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||