Las Vegas, NV · Cert 58722
State charter, non-member · FDIC · 6 branches
Q1 2026
Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2025 SOD (annual) · 0.9% share · #15 of 43 inst. · $0.9B of $100.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.74% | 1.84% | 1.85% | 1.48% | +6 bps | |
| Return on Equity | 10.56% | 13.11% | 13.85% | 13.61% | 10.85% | +29 bps | |
| Net Interest Margin | 4.39% | 4.55% | 4.73% | 4.67% | 4.58% | +19 bps | |
| Efficiency Ratio | 59.47% | 53.11% | 50.85% | 51.96% | 58.75% | -71 bps | |
| Non-Interest Burden | 2.53% | 2.31% | 2.33% | 2.35% | 2.63% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.80% | 12.10% | 11.11% | 7.80% | 7.38% | -142 bps | |
| Loan Growth (YoY) | 6.89% | 10.59% | 10.86% | 8.18% | 10.50% | +361 bps | |
| Deposit Growth (YoY) | 10.53% | 16.28% | 12.78% | 7.88% | -7.63% | -1,816 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.07% | 1.15% | 0.87% | 0.90% | 1.05% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | -0.02% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.20% | 1.14% | 1.13% | 1.12% | 1.09% | -11 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.3x | 1.2x | 1.0x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.64% | 13.63% | 13.84% | 13.92% | 13.95% | +31 bps | |
| Total Risk-Based Capital | 13.64% | 13.63% | 13.84% | 13.92% | 13.95% | +31 bps | |
| Equity / Assets | 13.19% | 13.30% | 13.27% | 13.94% | 13.39% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.19% | 103.70% | 101.80% | 104.80% | 121.06% | +1,987 bps | |
| Liquid Assets / Assets | 8.88% | 6.69% | 8.43% | 6.94% | 6.67% | -221 bps | |
| CRE / Total Capital | n/a | n/a | 550% | 534% | 555% | n/a | |