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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.35% | 1.35% | 0.51% | 0.91% | -39 bps | |
| Return on Equity | 11.12% | 11.56% | 11.53% | 4.51% | 8.31% | -281 bps | |
| Net Interest Margin | 4.13% | 4.03% | 4.05% | 4.19% | 4.21% | +8 bps | |
| Efficiency Ratio | 54.38% | 53.63% | 54.36% | 83.46% | 74.99% | +2,061 bps | |
| Non-Interest Burden | 2.19% | 2.09% | 2.12% | 3.45% | 3.00% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.22% | 6.89% | 4.82% | 6.01% | 4.52% | -169 bps | |
| Loan Growth (YoY) | 15.49% | 16.95% | 13.37% | 11.81% | 6.20% | -929 bps | |
| Deposit Growth (YoY) | 3.95% | 7.10% | 4.37% | 6.99% | 7.61% | +367 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.10% | 0.13% | 0.09% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.01% | -0.01% | 0.05% | +5 bps | |
| Allowance / Loans | 1.06% | 1.03% | 1.03% | 1.02% | 1.02% | -4 bps | |
| Allowance Coverage of NPLs | 59.1x | 10.8x | 7.8x | 11.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.92% | 11.71% | 12.00% | 10.82% | 10.18% | -175 bps | |
| Total Risk-Based Capital | 11.92% | 11.71% | 12.00% | 10.82% | 10.18% | -175 bps | |
| Equity / Assets | 11.58% | 11.58% | 12.05% | 10.73% | 10.11% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.79% | 94.49% | 97.05% | 94.91% | 95.52% | -127 bps | |
| Liquid Assets / Assets | 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 |