Phoenix, AZ · Cert 59283
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
53
Profitability
25
Liquidity
0
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Phoenix, AZ · Cert 59283
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #35 of 55 inst. · $0.2B 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 | -1.62% | 3.43% | 1.90% | -1.00% | -1.03% | +58 bps | |
| Return on Equity | -13.09% | 27.08% | 15.32% | -9.01% | -9.55% | +354 bps | |
| Net Interest Margin | 3.73% | 3.68% | 3.58% | 4.00% | 3.84% | +12 bps | |
| Efficiency Ratio | 125.00% | 57.76% | 65.95% | 111.59% | 108.16% | -1,684 bps | |
| Non-Interest Burden | 5.03% | -0.45% | 0.83% | 4.54% | 4.21% | -83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 107.42% | 63.84% | 58.87% | 57.74% | 41.58% | -6,585 bps | |
| Loan Growth (YoY) | 91.60% | 54.61% | 59.25% | 63.83% | 70.25% | -2,135 bps | |
| Deposit Growth (YoY) | 141.33% | 66.39% | 59.76% | 51.82% | 34.09% | -10,724 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 7.83% | 3.17% | 2.99% | 3.71% | +293 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.92% | 1.86% | 1.72% | 1.75% | 1.89% | +97 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.2x | 0.5x | 0.6x | 0.5x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.63% | 13.67% | 12.00% | 10.73% | 9.93% | -269 bps | |
| Total Risk-Based Capital | 12.63% | 13.67% | 12.00% | 10.73% | 9.93% | -269 bps | |
| Equity / Assets | 11.72% | 13.40% | 11.64% | 10.61% | 10.29% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.05% | 80.41% | 103.08% | 106.77% | 105.45% | +2,240 bps | |
| Liquid Assets / Assets | 4.45% | 16.94% | 0.34% | 0.30% | 0.34% | -411 bps | |
| CRE / Total Capital | n/a | 346% | 488% | 514% | n/a | n/a | |
Phoenix, AZ · Cert 59283 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-0.99%
Rank 598 of 629
Net Interest Margin
3.84%
Rank 212 of 629
Efficiency Ratio
108.16%
Rank 591 of 629
Equity / Assets
10.29%
Rank 353 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.99% | 0.60% | 1.01% | 1.45% | Beats 5% | 598 / 629 | |
| Return on Equity | -9.62% | 5.38% | 9.30% | 13.28% | Beats 3% | 609 / 629 | |
| Net Interest Margin | 3.84% | 3.03% | 3.54% | 4.05% | Beats 66% | 212 / 629 | |
| Efficiency Ratio | 108.16% | 58.35% | 67.79% | 79.08% | Beats 6% | 591 / 629 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.71% | 0.09% | 0.46% | 1.20% | Beats 5% | 555 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital | |||||||
| Tier 1 Capital Ratio | 9.93% | 11.24% | 13.84% | 18.77% | Beats 10% | 566 / 629 | |
| Total Risk-Based Capital Ratio | 9.93% | 11.58% | 14.43% | 19.66% | Beats 9% | 570 / 629 | |
| Equity / Assets | 10.29% | 9.09% | 10.65% | 13.80% | Beats 44% | 353 / 629 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.45% | 67.24% | 80.90% | 93.48% | 92nd pctl | 47 / 594 | |
| Loans / Assets | 83.60% | 53.31% | 67.71% | 78.15% | 89th pctl | 68 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||