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SAN FRANCISCO, CA·FDIC Cert #32961·Charter: OCC·Est. 19900402.0
Total Assets
$4.8B
Q4 2025
Return on Assets
17.04%
+4.34%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.55%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
74
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
17.04%+4.34
ROE
21.46%+5.62
Efficiency
48.55%-5.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
0.00%+0.00
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 15.5 | 14.9 | 14.2 | 16.8 | 9.8 | 11.1 | 12.7 | 17.0 |
| ROE | 19.2 | 18.5 | 17.7 | 20.9 | 12.2 | 13.8 | 15.8 | 21.5 |
| Efficiency | 48.4 | 48.6 | 49.3 | 45.4 | 60.6 | 56.7 | 54.4 | 48.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Balance Sheet
Total Assets$4.8B
Total Deposits$0
Total Loans$0
Total Equity$3.7B
Profitability
ROA17.04%
ROE21.46%
Efficiency Ratio48.55%
Net Income$788.2M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit0.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans