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 (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 | -5.19% | -1.57% | -3.21% | -0.21% | 11.92% | -1.70% | -1.00% | -1.06% | -85 bps | |
| Return on Equity | -25.93% | -10.47% | -25.18% | -1.81% | 94.52% | -13.61% | -9.01% | -10.16% | -836 bps | |
| Net Interest Margin | 3.62% | 4.78% | 4.09% | 3.87% | 4.73% | 4.50% | 4.00% | 4.00% | +14 bps | |
| Efficiency Ratio | 192.15% | 112.87% | 169.75% | 100.61% | 27.99% | 100.75% | 111.59% | 105.12% | +451 bps | |
| Non-Interest Burden | 8.55% | 5.69% | 7.06% | 3.89% | -9.89% | 4.53% | 4.54% | 4.24% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 114.14% | 110.99% | 90.21% | 107.42% | 63.84% | 58.87% | 57.74% | 41.58% | -6,585 bps | |
| Loan Growth (YoY) | 243% | 156.79% | 125.63% | 91.60% | 54.61% | 59.25% | 63.83% | 70.25% | -2,135 bps | |
| Deposit Growth (YoY) | 248% | 162.28% | 116.87% | 141.33% | 66.39% | 59.76% | 51.82% | 34.09% | -10,724 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.28% | 1.73% | 0.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.86% | 0.87% | 0.92% | 1.86% | 1.72% | 1.75% | 1.89% | +97 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 1.1x | 1.2x | 0.2x | 0.5x | 0.6x | 0.5x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.82% | 15.70% | 12.88% | 12.63% | 13.67% | 12.00% | 10.73% | 9.93% | -269 bps | |
| Total Risk-Based Capital | 20.82% | 15.70% | 12.88% | 12.63% | 13.67% | 12.00% | 10.73% | 9.93% | -269 bps | |
| Equity / Assets | 16.63% | 13.53% | 11.98% | 11.72% | 13.40% | 11.64% | 10.61% | 10.29% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.53% | 103.41% | 98.94% | 83.05% | 80.41% | 103.08% | 106.77% | 105.45% | +2,240 bps | |
| Liquid Assets / Assets | 0.21% | 1.41% | 1.75% | 4.45% | 16.94% | 0.34% | 0.30% | 0.34% | -411 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 346% | 488% | 514% | n/a | n/a | |