Scottsdale, AZ · Cert 59273
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #46 of 55 inst. · $0.1B of $192.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.71% | -2.26% | -2.06% | -0.62% | -0.07% | +264 bps | |
| Return on Equity | -18.11% | -16.69% | -17.37% | -8.06% | -0.74% | +1,738 bps | |
| Net Interest Margin | 3.98% | 3.74% | 3.33% | 4.51% | 4.46% | +48 bps | |
| Efficiency Ratio | 156.86% | 147.58% | 137.06% | 106.91% | 95.06% | -6,180 bps | |
| Non-Interest Burden | 6.39% | 5.60% | 4.64% | 4.82% | 4.21% | -218 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 66.92% | 85.15% | 99.20% | 87.38% | 56.13% | -1,079 bps | |
| Loan Growth (YoY) | 76.96% | 95.13% | 94.51% | 79.03% | 58.79% | -1,817 bps | |
| Deposit Growth (YoY) | 102.12% | 122.00% | 152.67% | 141.18% | 52.93% | -4,919 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.38% | 0.30% | 0.07% | 0.07% | -36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.83% | 0.40% | +40 bps | |
| Allowance / Loans | 1.38% | 1.22% | 1.31% | 1.12% | 1.16% | -21 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.2x | 4.4x | 15.7x | 16.9x | +13.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.84% | 10.68% | 8.37% | 7.81% | 12.89% | +5 bps | |
| Total Risk-Based Capital | 14.41% | 10.68% | 10.58% | 10.12% | 15.92% | +151 bps | |
| Equity / Assets | 12.37% | 10.43% | 7.70% | 7.69% | 12.61% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.31% | 98.00% | 92.87% | 98.53% | 107.27% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 388% | 526% | 557% | n/a | n/a | |