Tustin Community 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.
Loan-to-deposit ratio climbed 4.81 percentage points in Q2 2026, from 96.34% to 101.15%. It was the largest change from Q1 2026 among the key lines here. Within California, Tustin Community Bank is 62nd of 114 on return on assets, 1.02% as of Q2 2026, below the middle of the field. Tustin Community Bank reported 1.02% on return on assets for Q2 2026, 0.04 points above the 0.98% median for banks in the < $100M 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 | 15.46% |
| Equity capital to assets | 15.41% |
| Tangible equity to tangible assets | 15.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.41% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 3.09% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 6.64% |
| Net interest margin | 6.10% |
| Efficiency ratio | 75.89% |
| Yield on earning assets | 8.23% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.15% |
| Core deposits to total deposits | 85.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.26% |
| 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 | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.01% | 1.19% | 6.44% | 0.03% | 0.28% |
| Q4 2023 | 15.27% | 0.97% | 6.66% | 0.00% | 0.27% |
| Q1 2024 | 15.15% | 1.01% | 6.32% | 0.05% | 0.36% |
| Q2 2024 | 14.77% | 0.90% | 6.02% | 0.02% | 0.29% |
| Q3 2024 | 14.01% | 0.87% | 5.81% | 0.01% | 0.26% |
| Q4 2024 | 13.94% | 0.79% | 5.75% | 0.03% | 0.21% |
| Q1 2025 | 14.20% | 0.72% | 5.30% | 0.02% | 0.25% |
| Q2 2025 | 14.47% | 0.61% | 5.49% | 0.00% | 0.28% |
| Q3 2025 | 16.38% | 0.48% | 5.58% | 0.00% | 0.36% |
| Q4 2025 | 16.01% | 0.76% | 5.82% | 0.01% | 0.26% |
| Q1 2026 | 15.66% | 1.18% | 5.67% | 0.04% | 0.37% |
| Q2 2026 | 15.46% | 1.02% | 6.10% | 0.00% | 0.41% |
Tustin Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tustin Community 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 Tustin Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32908) · FFIEC NIC profile (RSSD 1418255)