Bank of the Orient
San Francisco, CA · Cert 20387 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Orient Bcorp
State charter, Fed member · FED · 9 branches
Q2 2026
$1.2BAssets
$990.7MLoans
$1.1BDeposits
$137.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 151 of 176
Net Interest Margin
3.28%
Rank 129 of 176
Efficiency Ratio
67.10%
Rank 131 of 176
Equity / Assets
11.31%
Rank 57 of 176
Non-interest income vs. expense
Unfavorable gap of $25.9M · efficiency ratio beats 26% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.93% | 1.26% | 1.54% | Beats 14% | 151 / 176 | | |
| Return on Equity | 6.45% | 9.26% | 11.89% | 14.46% | Beats 11% | 157 / 176 | | |
| Net Interest Margin | 3.28% | 3.25% | 3.59% | 3.93% | Beats 27% | 129 / 176 | | |
| Efficiency Ratio | 67.10% | 52.79% | 59.55% | 67.66% | Beats 26% | 131 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.16% | 0.30% | 0.64% | 1.32% | Beats 7% | 165 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 11.65% | 11.15% | 12.72% | 14.15% | Beats 34% | 116 / 176 | | |
| Total Risk-Based Capital Ratio | 11.65% | 11.81% | 13.63% | 15.33% | Beats 22% | 138 / 176 | | |
| Equity / Assets | 11.31% | 9.16% | 10.35% | 11.80% | Beats 68% | 57 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.26% | 80.94% | 89.73% | 97.21% | 67th pctl | 58 / 176 | | |
| Loans / Assets | 81.57% | 69.25% | 75.12% | 80.82% | 79th pctl | 37 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |