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 | |