Scottsdale, AZ · Cert 59203
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #43 of 55 inst. · $0.1B 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 | -0.99% | -0.82% | -0.72% | -0.51% | -0.48% | 0.04% | 0.21% | 0.36% | +86 bps | |
| Return on Equity | -4.89% | -4.49% | -4.34% | -3.38% | -3.51% | 0.28% | 1.77% | 3.29% | +667 bps | |
| Net Interest Margin | 3.60% | 3.36% | 3.26% | 3.27% | 3.17% | 3.19% | 3.29% | 3.18% | -9 bps | |
| Efficiency Ratio | 124.69% | 118.77% | 117.46% | 112.20% | 112.48% | 98.89% | 93.26% | 89.16% | -2,304 bps | |
| Non-Interest Burden | 4.51% | 4.00% | 3.83% | 3.67% | 3.57% | 3.16% | 3.06% | 2.82% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.17% | 47.68% | 42.43% | 46.56% | 38.85% | 42.00% | 42.18% | 37.38% | -919 bps | |
| Loan Growth (YoY) | 56.93% | 63.13% | 43.99% | 52.13% | 57.73% | 56.79% | 58.00% | 50.89% | -123 bps | |
| Deposit Growth (YoY) | 94.03% | 81.13% | 66.64% | 72.32% | 44.19% | 56.14% | 43.62% | 45.67% | -2,666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.68% | +268 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.19% | 1.14% | 1.05% | 0.97% | 0.85% | 0.76% | 0.70% | -35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.3x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.98% | 20.20% | 18.06% | 15.83% | 14.11% | 13.22% | 12.15% | 11.37% | -446 bps | |
| Total Risk-Based Capital | 21.98% | 20.20% | 18.06% | 15.83% | 14.11% | 13.22% | 12.15% | 11.37% | -446 bps | |
| Equity / Assets | 19.20% | 17.33% | 15.88% | 14.20% | 13.41% | 12.21% | 11.16% | 10.51% | -369 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.50% | 98.75% | 91.40% | 98.66% | 97.91% | 99.16% | 100.55% | 102.20% | +354 bps | |
| Liquid Assets / Assets | 18.64% | 13.83% | 9.37% | 5.41% | 6.67% | 4.25% | 5.16% | 5.61% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 116.78% | 165.38% | 183.31% | n/a | n/a | |