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Riverside, CA · Cert 59314 · Icon Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$155.5MAssets
$122.7MLoans
$129.2MDeposits
$18.6MEquity
Loan mix
39%RE $49.7M45%C&I $57.3M16%Consumer $19.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $97.4M25%Noninterest $31.8MQ2 2025Q2 2026

NIM

6.60%Q2 ’246.70%Q2 ’256.47%Q2 ’26-19%+20%

Non-interest income vs. expense

13.79%Q2 ’246.75%Q2 ’255.58%Q2 ’26-52%-26%

Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.1% share · #30 of 36 inst. · $0.1B of $79.7B

0.2% Riverside
0.0% Orange

Executive Summary

  • Earnings: ROA of -0.86%, up 343 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.22% of loans (+20 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 11.94%, up 135 bps from a year ago.
  • Funding: loans stand at 95.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.86%+343 bps YoY

Net Interest Margin (quarter, annualized)

4.12%+69 bps YoY

Efficiency Ratio (quarter, annualized)

117.15%-7,324 bps YoY

Tier 1 Leverage Ratio

11.94%+135 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.30%-2.85%-0.89%-0.88%-0.86%+343 bps
Return on Equity-40.96%-34.14%-10.85%-9.37%-7.80%+3,316 bps
Net Interest Margin3.43%3.82%4.19%4.28%4.12%+69 bps
Efficiency Ratio190.39%156.73%105.51%119.69%117.15%-7,324 bps
Non-Interest Burden6.63%6.07%4.49%5.17%4.93%-170 bps
Growth
Asset Growth (YoY)170.02%105.85%51.78%29.33%-0.31%-17,033 bps
Loan Growth (YoY)214%130.10%76.37%67.01%13.81%-19,989 bps
Deposit Growth (YoY)291%152.07%62.37%22.61%-6.42%-29,767 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.12%0.27%0.22%+20 bps
Net Charge-Offs / Loans0.31%0.59%0.55%-0.15%0.30%-1 bps
Allowance / Loans1.17%1.26%1.25%1.20%1.18%+1 bps
Allowance Coverage of NPLs52.6x28.8x10.8x4.5x5.4x-47.2x
Capital
Tier 1 Leverage Ratio10.60%8.65%8.10%10.73%11.94%+135 bps
Total Risk-Based Capital10.60%8.65%8.10%10.73%11.94%+135 bps
Equity / Assets8.87%7.84%8.52%10.22%11.94%+307 bps
Liquidity & Funding
Loans / Deposits78.12%76.75%94.29%101.69%95.01%+1,689 bps
Liquid Assets / Assets19.14%22.21%10.58%10.16%11.54%-760 bps
CRE / Total Capitaln/a331%362%300%n/an/a