Institution Profile
Address: 39150 Fremont Blvd Fremont, CA 94538
Website:
FDIC Profile:
Established:
9/3/1964
Branches:
23
Branches by Region
CA 23
Financial Overview
Total Assets
$5.91B
Total Deposits
$5.26B
Total Loans
$4.76B
Equity Capital
$460.21M
Employees
730
Allowance for Loan Losses
$73.28M
Performance Ratios
Net Worth Ratio
7.79%
Loan-to-Deposit Ratio
90.49%
Coverage Ratio
1.54% Allowance / Total Loans
Net Income
$67.82M
Return on Assets (ROA)
1.15%
Return on Equity (ROE)
15.08%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +35.23% Total Deposits: +32.33% Total Loans: +33.52% since 2020 Q1
Employee Growth
Employee Growth
Employees: -17.14% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$2.64B 55.6%
Commercial Real Estate
$1.31B 27.5%
Commercial & Industrial
$409.51M 8.6%
Multifamily
$288.38M 6.1%
Construction
$101.35M 2.1%
Credit Card
$2.59M 0.1%
Other Consumer
$190,000 0.0%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
Approved: +33.33% Cancelled: -100.00% since 2020 Q1
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Approved: +82.54% Guaranteed: +82.54% Cancelled: -100.00% since 2020 Q1
Net Income Trend
Net Income Trend
Net Income: +614.15% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $5.91B | $5.26B | $4.76B | $67.82M | 730 |
| 2025 Q3 | $6.12B | $5.47B | $4.71B | $49.41M | 724 |
| 2025 Q2 | $5.85B | $5.21B | $4.67B | $30.94M | 723 |
| 2025 Q1 | $5.85B | $5.22B | $4.66B | $15.14M | 723 |
| 2024 Q4 | $5.80B | $5.18B | $4.62B | $54.15M | 734 |
| 2024 Q3 | $5.91B | $5.29B | $4.62B | $39.38M | 740 |
| 2024 Q2 | $5.91B | $5.10B | $4.60B | $24.06M | 737 |
| 2024 Q1 | $5.90B | $5.09B | $4.53B | $12.06M | 736 |
| 2023 Q4 | $5.61B | $5.00B | $4.51B | $73.88M | 746 |
| 2023 Q3 | $5.68B | $5.09B | $4.43B | $63.08M | 747 |
| 2023 Q2 | $5.41B | $4.82B | $4.49B | $36.47M | 731 |
| 2023 Q1 | $5.46B | $4.73B | $4.53B | $16.36M | 739 |
| 2022 Q4 | $5.45B | $4.91B | $4.54B | $48.75M | 749 |
| 2022 Q3 | $5.52B | $5.11B | $4.51B | $26.05M | 772 |
| 2022 Q2 | $5.62B | $5.20B | $4.45B | $13.36M | 845 |
| 2022 Q1 | $5.55B | $5.14B | $4.05B | $6.13M | 867 |
| 2021 Q4 | $5.52B | $5.07B | $3.94B | $67.85M | 934 |
| 2021 Q3 | $5.66B | $5.20B | $3.66B | $62.45M | 972 |
| 2021 Q2 | $5.46B | $5.01B | $3.65B | $53.03M | 1,015 |
| 2021 Q1 | $5.40B | $4.95B | $3.90B | $39.78M | 1,057 |
| 2020 Q4 | $5.04B | $4.60B | $3.90B | $68.51M | 1,022 |
| 2020 Q3 | $5.12B | $4.69B | $3.86B | $47.78M | 997 |
| 2020 Q2 | $4.99B | $4.56B | $3.94B | $24.76M | 964 |
| 2020 Q1 | $4.37B | $3.97B | $3.57B | $9.50M | 881 |