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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.53% | 1.27% | 1.33% | 1.44% | 1.36% | 0.51% | 1.30% | -3 bps | |
| Return on Equity | 11.45% | 13.04% | 10.82% | 11.40% | 12.43% | 11.47% | 4.51% | 12.44% | +105 bps | |
| Net Interest Margin | 4.06% | 4.45% | 4.07% | 4.27% | 4.11% | 4.15% | 4.19% | 4.29% | +2 bps | |
| Efficiency Ratio | 53.99% | 50.88% | 55.63% | 53.21% | 52.21% | 56.45% | 83.46% | 67.90% | +1,468 bps | |
| Non-Interest Burden | 2.16% | 2.20% | 2.21% | 2.20% | 2.05% | 2.22% | 3.45% | 2.61% | +40 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% | 0.00% | 0.07% | 0.00% | -0.01% | 0.10% | +10 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 |