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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.54% | -5.40% | -0.68% | -0.67% | -0.43% | -0.39% | -0.34% | -0.04% | +63 bps | |
| Return on Equity | -26.65% | -26.31% | -6.39% | -6.67% | -4.32% | -4.04% | -3.98% | -0.49% | +618 bps | |
| Net Interest Margin | 3.34% | 2.97% | 3.56% | 3.46% | 3.50% | 3.42% | 3.69% | 3.74% | +28 bps | |
| Efficiency Ratio | 236% | 208% | 116.50% | 113.90% | 108.98% | 106.31% | 108.74% | 100.29% | -1,361 bps | |
| Non-Interest Burden | 7.90% | 6.31% | 4.28% | 4.02% | 3.85% | 3.65% | 4.02% | 3.75% | -28 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 | |