Riverside, CA · Cert 59314 · Icon Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.1% share · #30 of 36 inst. · $0.1B of $79.7B
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 | -10.68% | -9.22% | -4.76% | -4.47% | -3.90% | -3.12% | -0.88% | -0.88% | +359 bps | |
| Return on Equity | -30.55% | -31.67% | -33.74% | -37.48% | -36.46% | -30.51% | -9.37% | -8.55% | +2,894 bps | |
| Net Interest Margin | 3.31% | 2.99% | 3.67% | 3.21% | 3.17% | 3.32% | 4.28% | 4.11% | +90 bps | |
| Efficiency Ratio | 322% | 289% | 211% | 199.86% | 182.49% | 154.39% | 119.69% | 118.37% | -8,150 bps | |
| Non-Interest Burden | 11.16% | 9.07% | 7.90% | 6.53% | 5.88% | 5.34% | 5.17% | 4.95% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 164.21% | 168.63% | 170.87% | 170.02% | 105.85% | 51.78% | 29.33% | -0.31% | -17,033 bps | |
| Loan Growth (YoY) | 3995% | 392% | 198.69% | 214% | 130.10% | 76.37% | 67.01% | 13.81% | -19,989 bps | |
| Deposit Growth (YoY) | 1277% | 635% | 390% | 291% | 152.07% | 62.37% | 22.61% | -6.42% | -29,767 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.02% | 0.04% | 0.12% | 0.27% | 0.22% | +20 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.28% | 0.36% | 0.28% | 0.38% | 0.40% | -0.15% | 0.07% | -21 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.20% | 1.17% | 1.26% | 1.25% | 1.20% | 1.18% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 56.8x | 52.6x | 28.8x | 10.8x | 4.5x | 5.4x | -47.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 26.08% | 18.98% | 14.33% | 10.60% | 8.65% | 8.10% | 10.73% | 11.94% | +135 bps | |
| Total Risk-Based Capital | 26.08% | 18.98% | 14.33% | 10.60% | 8.65% | 8.10% | 10.73% | 11.94% | +135 bps | |
| Equity / Assets | 21.34% | 16.03% | 12.59% | 8.87% | 7.84% | 8.52% | 10.22% | 11.94% | +307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.08% | 86.81% | 74.66% | 78.12% | 76.75% | 94.29% | 101.69% | 95.01% | +1,689 bps | |
| Liquid Assets / Assets | 2.27% | 9.48% | 25.44% | 19.14% | 22.21% | 10.58% | 10.16% | 11.54% | -760 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 331% | 362% | 300% | n/a | n/a | |