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Bank Irvine

Irvine, CA · Cert 59296 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 1 branch

Q2 2026

$305.6MAssets
$238.6MLoans
$234.7MDeposits
$69.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 21 of 28).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

0.95%

Rank 12 of 28

Net Interest Margin

3.22%

Rank 21 of 28

Efficiency Ratio

52.97%

Rank 6 of 28

Equity / Assets

22.87%

Rank 5 of 28

Non-interest income vs. expense

$0.2M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 52.97%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.39%0.81%1.45%Beats 57%12 / 28
Return on Equity4.13%2.58%5.09%9.10%Beats 39%17 / 28
Net Interest Margin3.22%3.22%3.68%4.12%Beats 25%21 / 28
Efficiency Ratio52.97%56.77%70.25%85.37%Beats 82%6 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio22.76%13.70%16.46%19.75%Beats 82%5 / 28
Total Risk-Based Capital Ratio22.76%14.96%17.60%20.63%Beats 82%5 / 28
Equity / Assets22.87%11.97%15.41%17.42%Beats 82%5 / 28
Liquidity & Funding
Loans / Deposits101.62%84.00%97.95%102.47%68th pctl9 / 28
Loans / Assets78.05%69.18%76.59%81.19%61st pctl11 / 28
Brokered Deposits / Depositsn/aNot reported for this institution