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Data through Q3 2026 · 4,200 institutions
Regulatory profile
San Gabriel, CA · FDIC certificate #58401
MEGA BANK is an FDIC-insured institution based in San Gabriel, CA (FDIC certificate #58401). In its Q3 2026 Call Report it reported total assets of $567M, total deposits of $484M and net loans of $435M. Its primary federal regulator is FDIC.
Plain-language readout
MEGA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $567M in Q3 2026 and were lowest at $507M in Q2 2026.
Total deposits were highest at $484M in Q3 2026 and lowest at $426M in Q2 2026.
Over the whole period total assets rose 10.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $567M | $484M | $435M | 1.32% | 9.43% | 3.99% |
| Q2 2026 | $507M | $426M | $427M | 1.15% | 8.11% | 3.91% |
| Q1 2026 | $515M | $437M | $410M | 0.90% | 6.38% | 3.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $45.1M | $73.6M | -$28.6M | -38.8% |
| Federal funds sold | $2.9M | $3.2M | -$359K | -11.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $8.2M | $8.3M | -$78K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $427.5M | $409.6M | +$17.9M | +4.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.6M | $2.5M | +$2.0M | +80.7% |
| Other real estate owned | $0K | $858K | -$858K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $683K | $616K | +$67K | +10.9% |
| All other assets | $17.7M | $16.3M | +$1.4M | +8.4% |
| Total assets | $506.7M | $515.1M | -$8.5M | -1.6% |
| Liabilities | ||||
| Total deposits | $426.1M | $437.4M | -$11.4M | -2.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.5M | $5.4M | +$1.1M | +20.0% |
| Total liabilities | $432.6M | $442.9M | -$10.3M | -2.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $42.7M | $42.6M | +$36K | +0.1% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $32.1M | $30.3M | +$1.8M | +5.9% |
| Accumulated other comprehensive income | -$698K | -$664K | -$34K | -5.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $74.1M | $72.3M | +$1.8M | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.0M | $10.1M | -$3.1M | -30.9% |
| Adjusted nonperforming assets | $7.0M | $10.1M | -$3.1M | -30.9% |
| Tangible equity plus allowance | $79.0M | $76.8M | +$2.1M | +2.8% |
| Texas ratio (gross) | 8.85% | 13.16% | -4.31 pts | See points |
| Texas ratio (adjusted) | 8.85% | 13.16% | -4.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.85% | 13.16% | -4.31 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.35% | 16.48% | -0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.35% | 16.48% | -0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.60% | 17.73% | -0.13 pts | See points |
| Tier 1 leverage (approximate) | 14.43% | 13.95% | +0.48 pts | See points |
| Construction and land loans to total capital | 141.56% | 147.71% | -6.15 pts | See points |
| Commercial real estate to total capital | 372.50% | 381.85% | -9.34 pts | See points |
| Dividend payout, year to date | 15.44% | 39.67% | -24.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.33% | -1.29% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $285.4M | $290.6M | -$5.2M | -1.8% |
| Non-core funding | $140.7M | $146.8M | -$6.1M | -4.2% |
| Loans to core deposits | 151.76% | 142.74% | +9.03 pts | See points |
| Loans to deposits | 101.65% | 94.82% | +6.82 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 52.42% | 57.46% | -5.04 pts | See points |
| Volatile liabilities | $140.7M | $146.8M | -$6.1M | -4.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.2M | $1.4M | +$2.8M | +191.9% |
| Earnings before provision, single quarter | $2.8M | $1.4M | +$1.3M | +91.9% |
| Provision for credit losses, year to date | $43K | -$178K | +$221K | +124.2% |
| Yield and cost | ||||
| Yield on loans and leases | 7.82% | 7.05% | +0.77 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.65% | +0.04 pts | See points |
| Total interest income to average assets | 6.81% | 6.22% | +0.59 pts | See points |
| Cost of interest-bearing transaction accounts | 2.52% | 2.52% | -0.00 pts | See points |
| Cost of savings and money market deposits | 2.74% | 2.72% | +0.02 pts | See points |
| Cost of time deposits | 3.78% | 3.84% | -0.07 pts | See points |
| Total interest expense to average assets | 2.85% | 2.90% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $567M | $484M | $435M | 1.32% | 9.43% | 3.99% |
| 2026-06-30 | $507M | $426M | $427M | 1.15% | 8.11% | 3.91% |
| 2026-03-31 | $515M | $437M | $410M | 0.90% | 6.38% | 3.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $434.6M | 0.02% | 116 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.