Irvine, CA · Cert 59290
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #88 of 107 inst. · $0.1B 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 | -4.42% | -3.47% | -0.68% | -0.66% | 0.04% | -0.28% | -0.34% | 0.24% | +90 bps | |
| Return on Equity | -23.76% | -25.24% | -6.39% | -6.96% | 0.40% | -3.17% | -3.98% | 2.63% | +958 bps | |
| Net Interest Margin | 4.09% | 3.72% | 3.56% | 3.85% | 3.78% | 3.77% | 3.69% | 3.90% | +6 bps | |
| Efficiency Ratio | 196.55% | 153.76% | 116.50% | 111.65% | 99.04% | 98.66% | 108.74% | 93.10% | -1,854 bps | |
| Non-Interest Burden | 8.07% | 5.98% | 4.28% | 4.35% | 3.73% | 3.72% | 4.02% | 3.59% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 147.09% | 172.72% | 148.18% | 100.02% | 61.28% | 35.13% | 18.61% | 16.23% | -8,379 bps | |
| Loan Growth (YoY) | 848% | 378% | 209% | 107.87% | 63.97% | 36.35% | 21.32% | 16.88% | -9,099 bps | |
| Deposit Growth (YoY) | 359% | 337% | 222% | 116.89% | 74.12% | 27.12% | 5.69% | 4.90% | -11,200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.08% | 1.15% | 0.98% | 0.97% | 0.99% | 0.98% | 0.94% | 0.94% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.47% | 14.15% | 11.20% | 9.55% | 9.28% | 8.72% | 8.63% | 9.81% | +26 bps | |
| Total Risk-Based Capital | 18.47% | 14.15% | 11.20% | 9.55% | 9.28% | 8.72% | 8.63% | 9.81% | +26 bps | |
| Equity / Assets | 16.61% | 11.65% | 9.81% | 9.19% | 9.54% | 8.39% | 8.61% | 9.75% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.01% | 93.58% | 93.51% | 98.72% | 97.01% | 100.38% | 107.35% | 110.00% | +1,128 bps | |
| Liquid Assets / Assets | 15.14% | 15.83% | 17.23% | 16.51% | 15.37% | 15.41% | 15.01% | 15.91% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 635% | 741% | 733% | n/a | n/a | |