Malaga Bank, FSB: 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 Core deposits to total deposits: 0.97 percentage points lower than in Q1 2026, at 69.88%. Malaga Bank, FSB ranks 23rd of 114 California banks on return on assets, in the upper half at 1.63% (Q2 2026). Malaga Bank, FSB reported 1.63% on return on assets for Q2 2026, 0.36 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 27.47% |
| Tier 1 risk-based capital ratio | 27.47% |
| Total risk-based capital ratio | 27.91% |
| Tier 1 leverage ratio | 16.76% |
| Equity capital to assets | 16.71% |
| Tangible equity to tangible assets | 16.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.31% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 9.81% |
| Net interest margin | 3.33% |
| Efficiency ratio | 30.34% |
| Yield on earning assets | 5.06% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 131.84% |
| Core deposits to total deposits | 69.88% |
| Brokered deposits to total deposits | 17.59% |
| Deposits to assets | 65.02% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 25.31% | 25.31% | 25.80% | 13.19% | 1.53% |
| Q4 2023 | 25.81% | 25.81% | 26.30% | 13.76% | 1.59% |
| Q1 2024 | 25.15% | 25.15% | 25.61% | 14.51% | 1.70% |
| Q2 2024 | 26.20% | 26.20% | 26.66% | 15.01% | 1.67% |
| Q3 2024 | 26.66% | 26.66% | 27.11% | 15.59% | 1.64% |
| Q4 2024 | 27.59% | 27.59% | 28.07% | 15.94% | 1.59% |
| Q1 2025 | 28.16% | 28.16% | 28.63% | 16.21% | 1.61% |
| Q2 2025 | 28.46% | 28.46% | 28.92% | 16.57% | 1.67% |
| Q3 2025 | 29.25% | 29.25% | 29.72% | 16.47% | 1.61% |
| Q4 2025 | 28.91% | 28.91% | 29.38% | 16.31% | 1.48% |
| Q1 2026 | 27.57% | 27.57% | 28.01% | 16.60% | 1.74% |
| Q2 2026 | 27.47% | 27.47% | 27.91% | 16.76% | 1.63% |
Malaga Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Malaga Bank, FSB, 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 Malaga Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32282) · FFIEC NIC profile (RSSD 773470)