Institution Profile
Address: 24301 Southland Dr Hayward, CA 94545
Website:
FDIC Profile:
Established:
10/16/1980
Branches:
2
Branches by Region
CA 2
Financial Overview
Total Assets
$97.16M
Total Deposits
$55.33M
Total Loans
$78.39M
Equity Capital
$40.55M
Employees
9
Allowance for Loan Losses
$5.89M
Performance Ratios
Net Worth Ratio
41.73%
Loan-to-Deposit Ratio
141.66%
Coverage Ratio
7.52% Allowance / Total Loans
Net Income
$1.31M
Return on Assets (ROA)
1.42%
Return on Equity (ROE)
3.24%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +20.33% Total Deposits: +20.12% Total Loans: +39.04% since 2020 Q1
Employee Growth
Employee Growth
Employees: +0.00% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Commercial Real Estate
$41.66M 52.8%
Construction
$20.83M 26.4%
1-4 Family Residential
$11.54M 14.6%
Commercial & Industrial
$2.80M 3.6%
Multifamily
$2.04M 2.6%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +216.22% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $97.16M | $55.33M | $78.39M | $1.31M | 9 |
| 2025 Q3 | $98.23M | $55.80M | $74.36M | $1.96M | 10 |
| 2025 Q2 | $97.94M | $56.20M | $74.96M | $1.33M | 10 |
| 2025 Q1 | $83.07M | $41.66M | $69.69M | $674,000 | 10 |
| 2024 Q4 | $82.36M | $42.28M | $65.05M | $3.27M | 10 |
| 2024 Q3 | $85.12M | $45.67M | $65.50M | $2.49M | 10 |
| 2024 Q2 | $91.18M | $47.49M | $60.00M | $1.82M | 9 |
| 2024 Q1 | $87.18M | $43.69M | $60.30M | $934,000 | 9 |
| 2023 Q4 | $86.50M | $44.35M | $64.34M | $3.56M | 9 |
| 2023 Q3 | $83.47M | $42.20M | $62.64M | $2.58M | 10 |
| 2023 Q2 | $82.98M | $42.87M | $61.91M | $1.65M | 10 |
| 2023 Q1 | $80.08M | $40.29M | $65.48M | $933,000 | 9 |
| 2022 Q4 | $82.29M | $43.99M | $64.63M | $1.94M | 8 |
| 2022 Q3 | $85.99M | $48.63M | $57.08M | $1.35M | 9 |
| 2022 Q2 | $82.08M | $45.15M | $61.64M | $855,000 | 8 |
| 2022 Q1 | $93.00M | $56.27M | $62.17M | $483,000 | 8 |
| 2021 Q4 | $83.41M | $47.27M | $49.33M | $1.20M | 8 |
| 2021 Q3 | $79.10M | $43.16M | $54.47M | $1.01M | 8 |
| 2021 Q2 | $79.80M | $44.21M | $53.76M | $640,000 | 8 |
| 2021 Q1 | $81.89M | $46.47M | $52.91M | $354,000 | 9 |
| 2020 Q4 | $82.48M | $47.38M | $52.63M | $1.39M | 9 |
| 2020 Q3 | $89.18M | $54.09M | $54.65M | $1.19M | 8 |
| 2020 Q2 | $85.92M | $51.27M | $62.77M | $836,000 | 9 |
| 2020 Q1 | $80.75M | $46.06M | $56.38M | $413,000 | 9 |