Irvine, CA · Cert 58590 · Nano Financial Holdings Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
4
Profitability
1
Liquidity
0
Efficiency
100
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.
Irvine, CA · Cert 58590 · Nano Financial Holdings Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #50 of 107 inst. · $0.7B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -0.99% | -0.10% | -3.20% | -6.97% | -8.07% | 0.05%1 | -0.54% | +266 bps | |
| Return on Equity | 0.64% | -7.77% | -0.87% | -27.83% | -66.21% | -85.50% | 1.03% | -10.17% | +1,766 bps | |
| Net Interest Margin | 3.62% | 3.73% | 3.90% | 3.62% | 3.44% | 3.31% | 2.34% | 2.19% | -143 bps | |
| Efficiency Ratio | 99.27% | 96.85% | 99.59% | 178.02% | 181.71% | 233% | 111.58% | -5.62% | -18,363 bps | |
| Non-Interest Burden | 3.57% | 4.52% | 3.86% | 6.88% | 6.72% | 8.54% | 2.66% | -0.70% | -758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.09% | 3.23% | 2.93% | -2.83% | -13.83% | -8.34% | -13.71% | -20.93% | -1,811 bps | |
| Loan Growth (YoY) | -16.71% | -16.01% | -10.43% | -13.18% | -6.35% | -13.86% | -22.24% | -21.86% | -868 bps | |
| Deposit Growth (YoY) | 16.70% | 10.30% | 5.10% | -1.57% | -17.84% | -11.51% | -9.25% | -14.76% | -1,318 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.35% | 0.17% | 1.77% | 10.19% | 15.39% | 24.29% | 20.56% | 25.73% | +1,554 bps | |
| Net Charge-Offs / Loans | 2.00% | 2.04% | 0.98% | 3.85% | 4.07% | 5.37% | 0.37% | 3.32% | -53 bps | |
| Allowance / Loans | 4.40% | 4.16% | 3.75% | 3.33% | 3.31% | 2.49% | 2.55% | 4.16% | +83 bps | |
| Allowance Coverage of NPLs | 1.9x | 25.1x | 2.1x | 0.3x | 0.2x | 0.1x | 0.1x | 0.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.59% | 11.20% | 12.08% | 10.20% | 7.23% | 4.77% | 4.79% | 5.04% | -516 bps | |
| Total Risk-Based Capital | 20.86% | 19.86% | 18.83% | 16.72% | 12.46% | 8.42% | 9.44% | 9.11% | -760 bps | |
| Equity / Assets | 11.94% | 12.06% | 11.61% | 10.84% | 7.39% | 4.74% | 4.79% | 5.27% | -556 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.50% | 75.91% | 75.38% | 76.16% | 76.95% | 73.90% | 64.58% | 69.81% | -635 bps | |
| Liquid Assets / Assets | 36.13% | 24.56% | 24.87% | 23.41% | 27.33% | 28.89% | 37.99% | 27.20% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 458% | 711% | 640% | n/a | n/a | |
Irvine, CA · Cert 58590 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Nano Financial Holdings Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
-0.60%
Rank 27 of 28
Net Interest Margin
2.19%
Rank 28 of 28
Efficiency Ratio
-5.47%
Rank 1 of 28
Equity / Assets
5.27%
Rank 28 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.60% | 0.39% | 0.81% | 1.45% | Beats 4% | 27 / 28 | ||
| Return on Equity | -11.43% | 2.58% | 5.09% | 9.10% | Beats 0% | 28 / 28 | ||
| Net Interest Margin | 2.19% | 3.22% | 3.68% | 4.12% | Beats 0% | 28 / 28 | ||
| Efficiency Ratio | -5.47% | 56.77% | 70.25% | 85.37% | Beats 100% | 1 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 25.73% | n/a | 0.26% | 1.61% | Beats 4% | 27 / 27 | ||
| Net Charge-Offs / Loans | 1.66% | n/a | n/a | 0.02% | Beats 4% | 27 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.83% | 13.70% | 16.46% | 19.75% | Beats 0% | 28 / 28 | ||
| Total Risk-Based Capital Ratio | 9.11% | 14.96% | 17.60% | 20.63% | Beats 0% | 28 / 28 | ||
| Equity / Assets | 5.27% | 11.97% | 15.41% | 17.42% | Beats 0% | 28 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.81% | 84.00% | 97.95% | 102.47% | 7th pctl | 26 / 28 | ||
| Loans / Assets | 65.04% | 69.18% | 76.59% | 81.19% | 14th pctl | 24 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||