Irvine, CA · Cert 59296
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 in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
100
Profitability
40
Liquidity
63
Efficiency
82
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.
Irvine, CA · Cert 59296
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #83 of 107 inst. · $0.2B 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 | 0.22% | 0.29% | 0.51% | 0.92% | 0.94% | 0.87% | 0.92% | 0.97% | +5 bps | |
| Return on Equity | 1.48% | 1.96% | 2.42% | 3.89% | 3.85% | 3.56% | 3.99% | 4.18% | +29 bps | |
| Net Interest Margin | 3.32% | 3.04% | 3.55% | 3.69% | 3.79% | 3.48% | 3.22% | 3.22% | -47 bps | |
| Efficiency Ratio | 72.72% | 74.75% | 67.82% | 59.72% | 58.66% | 57.76% | 54.93% | 52.97% | -676 bps | |
| Non-Interest Burden | 2.41% | 2.27% | 2.41% | 2.16% | 2.19% | 1.98% | 1.72% | 1.67% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.47% | 6.86% | 43.86% | 21.75% | 16.08% | 34.18% | 25.84% | 31.07% | +931 bps | |
| Loan Growth (YoY) | 97.43% | 34.62% | 42.84% | 27.04% | 11.39% | 25.49% | 12.67% | 26.44% | -60 bps | |
| Deposit Growth (YoY) | 34.52% | 7.87% | 27.03% | 1.98% | -2.70% | 18.79% | 34.15% | 42.94% | +4,096 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 | 1.17% | 1.17% | 1.21% | 1.23% | 1.23% | 1.19% | 1.18% | 1.19% | -4 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 | 15.00% | 13.81% | 28.24% | 28.02% | 28.46% | 25.96% | 23.07% | 22.76% | -525 bps | |
| Total Risk-Based Capital | 15.00% | 13.81% | 28.24% | 28.02% | 28.46% | 25.96% | 23.07% | 22.76% | -525 bps | |
| Equity / Assets | 13.62% | 13.85% | 27.17% | 28.75% | 27.23% | 23.88% | 22.52% | 22.87% | -587 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.20% | 95.74% | 108.85% | 114.88% | 107.84% | 101.14% | 91.41% | 101.62% | -1,326 bps | |
| Liquid Assets / Assets | 17.23% | 15.91% | 19.65% | 16.79% | 20.04% | 21.39% | 29.22% | 21.57% | +478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 91.55% | 103.13% | 94.00% | n/a | n/a | |
Irvine, CA · Cert 59296 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.95%
Rank 12 of 28
Net Interest Margin
3.22%
Rank 21 of 28
Efficiency Ratio
52.97%
Rank 6 of 28
Equity / Assets
22.87%
Rank 5 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.39% | 0.81% | 1.45% | Beats 57% | 12 / 28 | ||
| Return on Equity | 4.13% | 2.58% | 5.09% | 9.10% | Beats 39% | 17 / 28 | ||
| Net Interest Margin | 3.22% | 3.22% | 3.68% | 4.12% | Beats 25% | 21 / 28 | ||
| Efficiency Ratio | 52.97% | 56.77% | 70.25% | 85.37% | Beats 82% | 6 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.26% | 1.61% | Beats 100% | 9 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.76% | 13.70% | 16.46% | 19.75% | Beats 82% | 5 / 28 | ||
| Total Risk-Based Capital Ratio | 22.76% | 14.96% | 17.60% | 20.63% | Beats 82% | 5 / 28 | ||
| Equity / Assets | 22.87% | 11.97% | 15.41% | 17.42% | Beats 82% | 5 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.62% | 84.00% | 97.95% | 102.47% | 68th pctl | 9 / 28 | ||
| Loans / Assets | 78.05% | 69.18% | 76.59% | 81.19% | 61st pctl | 11 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||