Malaga Bank F.S.B.: how it compares with its peers
Against 37 CA banks with half to twice its assets, Malaga Bank F.S.B.'s strongest measure in Q2 2026 is assets per employee ($19.3M vs. a $10.0M peer median). Its weakest relative measure is net interest margin (3.39% vs. 3.91%).
| Measure | Malaga Bank F.S.B. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.10% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 3.91% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 29.04% | 58.49% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $19.3M | $10.0M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 131.44% | 89.28% | Context |
What it means for lending operations
Its efficiency ratio of 29.04% is better than the 58.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American Riviera Bank Santa Barbara, CA · $1.44B
- State Bank of India (California) Los Angeles, CA · $1.38B
- The Bank of New York Mellon Trust Company, National Association Los Angeles, CA · $1.37B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
- FFB Bank Fresno, CA · $1.62B
- US Metro Bank Garden Grove, CA · $1.64B
Questions about Malaga Bank F.S.B.
How big is Malaga Bank F.S.B.?
Malaga Bank F.S.B., established in 1985, is headquartered in Palos Verdes Peninsula, CA. It reported $1.45B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Malaga Bank F.S.B.'s return on assets?
1.69% annualized in Q2 2026, against a 1.10% median for 37 CA banks with half to twice its assets, ahead of 84% of them.
What is Malaga Bank F.S.B.'s efficiency ratio?
29.04% in Q2 2026: it spent about 29 cents in noninterest expense for each dollar of revenue. The peer median is 58.49%, and lower is better.
Is Malaga Bank F.S.B. growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.