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 (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 | 1.34% | 1.04% | 0.77% | 0.75% | 1.12% | 0.80% | 1.19% | 1.37% | +63 bps | |
| Return on Equity | 11.79% | 10.53% | 8.77% | 8.33% | 13.25% | 9.45% | 12.06% | 12.43% | +410 bps | |
| Net Interest Margin | 3.61% | 3.18% | 2.97% | 3.12% | 3.31% | 3.27% | 3.52% | 4.03% | +92 bps | |
| Efficiency Ratio | 52.04% | 55.39% | 58.15% | 53.84% | 47.93% | 52.17% | 49.78% | 49.28% | -456 bps | |
| Non-Interest Burden | 1.60% | 1.63% | 1.70% | 1.65% | 1.55% | 1.67% | 1.72% | 1.95% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 36.10% | 36.55% | 38.51% | 64.41% | 7.37% | -5.48% | -9.98% | -4,848 bps | |
| Loan Growth (YoY) | 2.47% | 0.38% | 0.65% | 6.02% | 7.58% | 19.37% | 22.60% | 20.73% | +1,470 bps | |
| Deposit Growth (YoY) | 6.67% | 38.13% | 44.79% | 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% | 0.00% | 0.00% | 0.00% | 0 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 | 2.05% | 2.03% | 2.10% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.51% | 10.17% | 9.08% | 9.32% | 8.45% | 8.75% | 9.53% | 11.67% | +235 bps | |
| Total Risk-Based Capital | 15.52% | 15.62% | 16.13% | 15.69% | 16.02% | 15.01% | 15.41% | 14.96% | -73 bps | |
| Equity / Assets | 11.68% | 8.57% | 8.99% | 8.95% | 7.99% | 9.02% | 10.82% | 11.30% | +236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.11% | 71.09% | 69.77% | 72.52% | 59.81% | 76.84% | 100.00% | 99.38% | +2,686 bps | |
| Liquid Assets / Assets | 14.68% | 9.37% | 8.85% | 8.89% | 22.42% | 9.97% | 20.00% | 14.44% | +555 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 537% | 596% | 580% | n/a | n/a | |