Mission Viejo, CA · Cert 58588
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #57 of 107 inst. · $0.5B of $667.8B
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.87% | 0.87% | 1.19% | 1.26% | +51 bps | |
| Return on Equity | 8.55% | 10.15% | 9.97% | 12.06% | 12.26% | +371 bps | |
| Net Interest Margin | 3.05% | 2.88% | 2.98% | 3.52% | 4.12% | +107 bps | |
| Efficiency Ratio | 55.95% | 52.89% | 52.69% | 49.78% | 49.53% | -642 bps | |
| Non-Interest Burden | 1.67% | 1.49% | 1.54% | 1.72% | 2.00% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.51% | 64.41% | 7.37% | -5.48% | -9.98% | -4,848 bps | |
| Loan Growth (YoY) | 6.02% | 7.58% | 19.37% | 22.60% | 20.73% | +1,470 bps | |
| Deposit Growth (YoY) | 43.14% | 74.67% | 10.44% | -14.46% | -11.91% | -5,504 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.11% | 2.15% | 2.10% | 2.12% | 2.06% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.32% | 8.45% | 8.75% | 9.53% | 11.67% | +235 bps | |
| Total Risk-Based Capital | 15.69% | 16.02% | 15.01% | 15.41% | 14.96% | -73 bps | |
| Equity / Assets | 8.95% | 7.99% | 9.02% | 10.82% | 11.30% | +236 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.52% | 59.81% | 76.84% | 100.00% | 99.38% | +2,686 bps | |
| Liquid Assets / Assets | 8.89% | 22.42% | 9.97% | 20.00% | 14.44% | +555 bps | |
| CRE / Total Capital | n/a | 537% | 596% | 580% | n/a | n/a | |