Los Altos, CA · Cert 59339
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Jose-Sunnyvale-Santa Clara, CA · 2026 SOD (annual) · 0.0% share · #38 of 42 inst. · $0.1B of $175.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -13.09% | -11.78% | -11.48% | -9.82% | -8.50% | +459 bps | |
| Return on Equity | -18.22% | -18.11% | -20.06% | -28.47% | -27.45% | -923 bps | |
| Net Interest Margin | 3.64% | 3.30% | 3.16% | 3.74% | 3.83% | +19 bps | |
| Efficiency Ratio | 437% | 394% | 399% | 334% | 254% | -18,269 bps | |
| Non-Interest Burden | 15.91% | 13.02% | 12.60% | 12.54% | 11.23% | -468 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 102.07% | 101.16% | 68.71% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 424% | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | 5498% | 818% | 188.55% | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.26% | 1.31% | 1.38% | 1.19% | 1.28% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 67.42% | 52.58% | 44.77% | 33.44% | 28.45% | -3,897 bps | |
| Total Risk-Based Capital | 67.42% | 52.58% | 44.77% | 33.44% | 28.45% | -3,897 bps | |
| Equity / Assets | 53.86% | 49.71% | 36.92% | 32.21% | 25.26% | -2,859 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.54% | 51.50% | 51.42% | 80.70% | 77.28% | +3,475 bps | |
| Liquid Assets / Assets | 51.44% | 50.36% | 60.23% | 41.49% | 38.99% | -1,244 bps | |
| CRE / Total Capital | n/a | 43.58% | 71.53% | 118.86% | n/a | n/a | |