Golden State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.52 percentage points higher than in Q1 2026, at 159.31%. Within California, Golden State Bank is 36th of 114 on return on assets, 1.34% as of Q2 2026, above the middle of the field. Golden State Bank reported 1.34% on return on assets for Q2 2026, 0.06 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 10.90% |
| Tangible equity to tangible assets | 10.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.89% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 159.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 12.36% |
| Net interest margin | 4.20% |
| Efficiency ratio | 55.61% |
| Yield on earning assets | 6.99% |
| Cost of funds | 3.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.18% |
| Core deposits to total deposits | 73.72% |
| Brokered deposits to total deposits | 3.95% |
| Deposits to assets | 85.65% |
| Securities to assets | 0.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.89% | 1.09% | 3.78% | 1.14% | -0.01% |
| Q4 2023 | 9.99% | 1.06% | 3.72% | 1.11% | 0.27% |
| Q1 2024 | 9.58% | 1.07% | 3.66% | 0.08% | -0.26% |
| Q2 2024 | 9.83% | 1.03% | 3.73% | 0.07% | -0.01% |
| Q3 2024 | 9.75% | 1.18% | 3.81% | 0.07% | -0.00% |
| Q4 2024 | 9.82% | 1.12% | 3.86% | 0.06% | 0.80% |
| Q1 2025 | 9.93% | 0.95% | 3.93% | 0.22% | -0.01% |
| Q2 2025 | 9.72% | 1.20% | 3.98% | 1.49% | 0.03% |
| Q3 2025 | 9.60% | 1.20% | 3.90% | 1.48% | -0.01% |
| Q4 2025 | 10.86% | 1.09% | 4.09% | 0.87% | -0.01% |
| Q1 2026 | 10.62% | 1.14% | 4.15% | 0.86% | -0.00% |
| Q2 2026 | 11.04% | 1.34% | 4.20% | 0.82% | -0.00% |
Golden State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Golden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57585) · FFIEC NIC profile (RSSD 3224375)