Newport Beach, CA · Cert 59245
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #76 of 107 inst. · $0.3B of $667.8B
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 | -2.77% | -3.30% | -3.57% | 2.94% | -0.54% | 0.82% | 0.02% | -0.52% | -346 bps | |
| Return on Equity | -11.88% | -14.41% | -18.11% | 25.10% | -5.61% | 7.91% | 0.15% | -4.43% | -2,953 bps | |
| Net Interest Margin | 3.27% | 2.95% | 2.80% | 2.76% | 3.12% | 3.88% | 3.69% | 3.33% | +58 bps | |
| Efficiency Ratio | 176.60% | 203% | 227% | 62.43% | 112.75% | 92.24% | 99.79% | 115.41% | +5,298 bps | |
| Non-Interest Burden | 6.00% | 6.23% | 6.73% | -2.07% | 3.60% | 3.57% | 3.74% | 3.97% | +603 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.77% | -6.92% | 24.86% | 152.31% | 112.24% | 124.59% | 67.86% | -29.29% | -18,160 bps | |
| Loan Growth (YoY) | -3.66% | -5.25% | -4.73% | 112.75% | 110.18% | 96.31% | 91.74% | -13.56% | -12,631 bps | |
| Deposit Growth (YoY) | 66.78% | -4.68% | 41.26% | 221% | 160.38% | 178.91% | 87.46% | -31.94% | -25,316 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.14% | 0.08% | 0.07% | 0.04% | -14 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 | 1.21% | 1.19% | 1.19% | 1.29% | 1.32% | 1.26% | 1.26% | 1.23% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 6.8x | 9.5x | 15.8x | 17.0x | 27.5x | +20.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.33% | 21.52% | 21.05% | 15.34% | 9.55% | 10.77% | 10.84% | 11.01% | -432 bps | |
| Total Risk-Based Capital | 42.63% | 42.60% | 40.71% | 17.21% | 17.17% | 19.27% | 19.79% | 19.38% | +217 bps | |
| Equity / Assets | 22.56% | 23.22% | 16.98% | 9.08% | 10.29% | 10.58% | 10.79% | 12.72% | +364 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.17% | 105.52% | 72.56% | 70.24% | 80.86% | 74.27% | 74.22% | 89.19% | +1,896 bps | |
| Liquid Assets / Assets | 24.60% | 21.55% | 40.12% | 34.90% | 26.22% | 32.16% | 32.18% | 19.15% | -1,574 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 660% | 589% | 569% | n/a | n/a | |