Santa Ana, CA · Cert 59098 · Infinity Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #73 of 107 inst. · $0.3B 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 | 1.22% | 1.32% | 1.50% | 1.59% | 1.63% | 1.60% | 1.40% | 1.48% | -11 bps | |
| Return on Equity | 11.18% | 12.08% | 13.67% | 14.22% | 14.63% | 14.21% | 12.34% | 12.79% | -143 bps | |
| Net Interest Margin | 5.41% | 5.07% | 5.56% | 5.66% | 5.44% | 5.28% | 5.47% | 5.66% | 0 bps | |
| Efficiency Ratio | 57.03% | 56.52% | 56.99% | 57.09% | 57.27% | 57.45% | 57.07% | 57.07% | -2 bps | |
| Non-Interest Burden | 3.03% | 2.82% | 3.11% | 3.17% | 3.05% | 2.97% | 3.06% | 3.15% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 9.12% | 5.15% | 9.32% | 13.04% | 7.01% | 16.01% | 6.66% | -266 bps | |
| Loan Growth (YoY) | 25.71% | 16.48% | 11.19% | 7.56% | -2.34% | 1.54% | -0.29% | 15.27% | +770 bps | |
| Deposit Growth (YoY) | -0.35% | 14.19% | 8.55% | 13.16% | 17.32% | 6.14% | 18.90% | 6.46% | -670 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.90% | 0.24% | 0.24% | 1.46% | 1.65% | 1.09% | 0.95% | +71 bps | |
| Net Charge-Offs / Loans | 0.60% | 0.44% | 0.43% | 0.22% | 0.15% | 0.24% | 0.36% | 0.16% | -6 bps | |
| Allowance / Loans | 1.58% | 1.64% | 1.64% | 1.63% | 1.68% | 1.58% | 1.63% | 1.51% | -12 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 6.8x | 6.8x | 1.2x | 1.0x | 1.5x | 1.6x | -5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.38% | 11.95% | 12.23% | 12.69% | 12.21% | 12.20% | 12.67% | 13.03% | +34 bps | |
| Total Risk-Based Capital | 17.37% | 18.04% | 18.49% | 19.53% | 19.29% | 18.92% | 19.42% | 17.94% | -159 bps | |
| Equity / Assets | 10.80% | 10.90% | 11.08% | 11.64% | 10.89% | 11.83% | 10.96% | 11.97% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.01% | 79.38% | 77.62% | 75.90% | 65.77% | 75.94% | 65.10% | 82.18% | +628 bps | |
| Liquid Assets / Assets | 20.11% | 19.88% | 21.64% | 22.99% | 32.67% | 26.18% | 34.60% | 19.92% | -308 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.46% | 173.67% | 169.06% | n/a | n/a | |