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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.20% | -6.97% | -8.07% | 0.05%1 | -0.54% | +266 bps | |
| Return on Equity | -27.83% | -66.21% | -85.50% | 1.03% | -10.17% | +1,766 bps | |
| Net Interest Margin | 3.62% | 3.44% | 3.31% | 2.34% | 2.19% | -143 bps | |
| Efficiency Ratio | 178.02% | 181.71% | 233% | 111.58% | -5.62% | -18,363 bps | |
| Non-Interest Burden | 6.88% | 6.72% | 8.54% | 2.66% | -0.70% | -758 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.83% | -13.83% | -8.34% | -13.71% | -20.93% | -1,811 bps | |
| Loan Growth (YoY) | -13.18% | -6.35% | -13.86% | -22.24% | -21.86% | -868 bps | |
| Deposit Growth (YoY) | -1.57% | -17.84% | -11.51% | -9.25% | -14.76% | -1,318 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 10.19% | 15.39% | 24.29% | 20.56% | 25.73% | +1,554 bps | |
| Net Charge-Offs / Loans | 3.85% | 4.07% | 5.37% | 0.37% | 3.32% | -53 bps | |
| Allowance / Loans | 3.33% | 3.31% | 2.49% | 2.55% | 4.16% | +83 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.1x | 0.1x | 0.2x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.20% | 7.23% | 4.77% | 4.79% | 5.04% | -516 bps | |
| Total Risk-Based Capital | 16.72% | 12.46% | 8.42% | 9.44% | 9.11% | -760 bps | |
| Equity / Assets | 10.84% | 7.39% | 4.74% | 4.79% | 5.27% | -556 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.16% | 76.95% | 73.90% | 64.58% | 69.81% | -635 bps | |
| Liquid Assets / Assets | 23.41% | 27.33% | 28.89% | 37.99% | 27.20% | +379 bps | |
| CRE / Total Capital | n/a | 458% | 711% | 640% | n/a | n/a | |