Las Vegas, NV · Cert 59346
FDIC
Q2 2026
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 | -21.60% | -28.82% | -22.33% | -34.45% | -29.79% | -818 bps | |
| Return on Equity | -28.92% | -39.57% | -31.13% | -50.45% | -43.71% | -1,479 bps | |
| Net Interest Margin | 2.20% | 2.21% | 2.21% | 1.71% | 1.58% | -63 bps | |
| Efficiency Ratio | 230% | 242% | 197.16% | 198.90% | 181.37% | -4,826 bps | |
| Non-Interest Burden | 32.04% | 42.44% | 33.89% | 45.72% | 44.07% | +1,203 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.33% | -21.93% | -16.81% | -25.03% | -26.21% | -488 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 71.62% | 63.29% | 66.56% | 61.72% | 64.93% | -669 bps | |
| Total Risk-Based Capital | 71.62% | 63.29% | 66.56% | 61.72% | 64.93% | -669 bps | |
| Equity / Assets | 73.28% | 66.47% | 66.99% | 69.85% | 67.80% | -548 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | 0.00% | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 47.37% | 44.87% | 45.68% | 18.94% | 38.97% | -840 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |