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 (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 | 0.13% | 0.46% | 0.51% | 1.29% | 1.01% | 0.70% | 0.92% | 0.99% | -29 bps | |
| Return on Equity | 0.92% | 3.38% | 2.42% | 4.60% | 3.60% | 2.74% | 3.99% | 4.38% | -22 bps | |
| Net Interest Margin | 3.21% | 3.10% | 3.55% | 3.90% | 3.95% | 3.63% | 3.22% | 3.30% | -60 bps | |
| Efficiency Ratio | 78.79% | 80.70% | 67.82% | 52.88% | 56.62% | 55.17% | 54.93% | 51.07% | -181 bps | |
| Non-Interest Burden | 2.52% | 2.50% | 2.41% | 1.96% | 2.22% | 2.00% | 1.72% | 1.66% | -30 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 | |