Mesa, AZ · Cert 58678
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #31 of 55 inst. · $0.2B of $192.0B
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 | 0.81% | 1.18% | 1.12% | 1.36% | 1.45% | 0.73% | 1.48% | 1.37% | +1 bps | |
| Return on Equity | 7.43% | 11.02% | 10.85% | 12.63% | 13.10% | 6.66% | 14.27% | 12.95% | +32 bps | |
| Net Interest Margin | 2.98% | 3.19% | 3.36% | 3.51% | 3.62% | 3.58% | 3.47% | 3.48% | -3 bps | |
| Efficiency Ratio | 56.77% | 49.14% | 53.02% | 48.75% | 45.33% | 53.68% | 45.30% | 52.71% | +396 bps | |
| Non-Interest Burden | 1.64% | 1.50% | 1.72% | 1.65% | 1.57% | 1.86% | 1.50% | 1.77% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.08% | 6.25% | 7.90% | 6.35% | 10.65% | 9.20% | 15.09% | 8.90% | +255 bps | |
| Loan Growth (YoY) | 22.39% | 19.09% | 16.69% | 21.32% | 14.18% | 13.00% | 11.15% | 6.94% | -1,438 bps | |
| Deposit Growth (YoY) | -6.20% | 6.74% | 13.39% | 11.65% | 16.64% | 13.71% | 11.81% | 6.15% | -550 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.29% | 1.25% | 1.24% | +124 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 1.06% | 1.07% | 1.06% | 1.07% | 1.32% | 1.33% | 1.35% | +29 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.0x | 1.1x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.29% | 12.55% | 13.00% | 13.10% | 13.08% | 12.14% | 11.53% | 12.00% | -110 bps | |
| Total Risk-Based Capital | 13.29% | 12.55% | 13.00% | 13.10% | 13.08% | 12.14% | 11.53% | 12.00% | -110 bps | |
| Equity / Assets | 11.26% | 10.14% | 10.56% | 11.06% | 11.15% | 10.64% | 10.10% | 11.13% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.34% | 78.06% | 74.68% | 79.02% | 77.67% | 77.57% | 74.24% | 79.61% | +59 bps | |
| Liquid Assets / Assets | 1.68% | 5.70% | 6.15% | 3.18% | 6.08% | 5.98% | 12.46% | 6.43% | +325 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 340% | 341% | n/a | n/a | |