Los Angeles, CA · Cert 58816 · RBB Bcorp
State charter, non-member · FDIC · 24 branches
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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
59
Profitability
28
Liquidity
100
Efficiency
47
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.
Los Angeles, CA · Cert 58816 · RBB Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.3% share · #31 of 107 inst. · $2.1B 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 | 0.89% | 0.81% | 0.37% | 0.73% | 0.85% | 0.91% | 1.20% | 1.18% | +45 bps | |
| Return on Equity | 5.86% | 5.35% | 2.44% | 4.95% | 5.82% | 6.24% | 8.27% | 8.32% | +337 bps | |
| Net Interest Margin | 2.73% | 2.69% | 2.86% | 2.88% | 2.86% | 2.88% | 3.10% | 3.12% | +24 bps | |
| Efficiency Ratio | 55.19% | 55.53% | 60.01% | 55.99% | 55.49% | 55.25% | 51.91% | 51.90% | -409 bps | |
| Non-Interest Burden | 1.30% | 1.31% | 1.61% | 1.35% | 1.37% | 1.40% | 1.40% | 1.43% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | -0.86% | 3.28% | 5.65% | 5.41% | 5.42% | 4.61% | 4.52% | -114 bps | |
| Loan Growth (YoY) | -0.91% | 1.01% | 3.71% | 6.03% | 6.81% | 8.22% | 5.77% | 2.31% | -371 bps | |
| Deposit Growth (YoY) | -3.09% | -3.33% | 3.22% | 6.57% | 9.36% | 9.05% | 6.78% | 6.77% | +20 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.97% | 2.65% | 1.93% | 1.76% | 1.38% | 1.35% | 1.34% | 0.72% | -104 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.13% | 0.34% | 0.37% | 0.52% | 0.44% | 0.00% | 0.01% | -36 bps | |
| Allowance / Loans | 1.41% | 1.56% | 1.65% | 1.58% | 1.36% | 1.32% | 1.31% | 1.32% | -26 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.9x | 0.9x | 1.0x | 1.0x | 1.0x | 1.8x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.19% | 13.96% | 14.27% | 13.20% | 13.03% | 13.20% | 13.46% | 12.54% | -66 bps | |
| Total Risk-Based Capital | 23.10% | 22.99% | 23.10% | 21.21% | 21.49% | 21.82% | 22.35% | 20.93% | -28 bps | |
| Equity / Assets | 15.07% | 15.12% | 15.23% | 14.15% | 14.06% | 14.37% | 14.70% | 13.55% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.85% | 98.29% | 99.14% | 99.30% | 96.55% | 97.54% | 98.21% | 95.16% | -415 bps | |
| Liquid Assets / Assets | 7.84% | 5.65% | 5.04% | 3.72% | 4.69% | 4.32% | 4.04% | 6.00% | +228 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 274% | 264% | n/a | n/a | |
Los Angeles, CA · Cert 58816 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · RBB Bcorp
State charter, non-member · FDIC · 24 branches
Q2 2026
Return on Assets
1.17%
Rank 14 of 19
Net Interest Margin
3.12%
Rank 12 of 19
Efficiency Ratio
52.26%
Rank 11 of 19
Equity / Assets
13.55%
Rank 6 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 1.10% | 1.26% | 1.57% | Beats 26% | 14 / 19 | ||
| Return on Equity | 8.62% | 8.62% | 11.28% | 14.70% | Beats 21% | 15 / 19 | ||
| Net Interest Margin | 3.12% | 3.07% | 3.30% | 3.62% | Beats 37% | 12 / 19 | ||
| Efficiency Ratio | 52.26% | 33.01% | 51.12% | 56.65% | Beats 47% | 11 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.37% | 0.80% | 1.55% | Beats 59% | 8 / 17 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 8 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.68% | 12.10% | 14.67% | 23.92% | Beats 63% | 7 / 19 | ||
| Total Risk-Based Capital Ratio | 20.93% | 13.35% | 14.67% | 24.05% | Beats 63% | 7 / 19 | ||
| Equity / Assets | 13.55% | 9.84% | 11.18% | 14.01% | Beats 68% | 6 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.16% | 79.34% | 95.16% | 100.04% | 47th pctl | 10 / 19 | ||
| Loans / Assets | 77.55% | 69.86% | 77.55% | 83.04% | 47th pctl | 10 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||