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

Unfavorable gap of $5.1M · efficiency ratio beats 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.95%	0.39%	0.81%	1.45%	Beats 57%	12 / 28
Return on Equity	4.13%	2.58%	5.09%	9.10%	Beats 39%	17 / 28
Net Interest Margin	3.22%	3.22%	3.68%	4.12%	Beats 25%	21 / 28
Efficiency Ratio	52.97%	56.77%	70.25%	85.37%	Beats 82%	6 / 28
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.26%	1.61%	Beats 100%	9 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	22.76%	13.70%	16.46%	19.75%	Beats 82%	5 / 28
Total Risk-Based Capital Ratio	22.76%	14.96%	17.60%	20.63%	Beats 82%	5 / 28
Equity / Assets	22.87%	11.97%	15.41%	17.42%	Beats 82%	5 / 28
Liquidity & Funding
Loans / Deposits	101.62%	84.00%	97.95%	102.47%	68th pctl	9 / 28
Loans / Assets	78.05%	69.18%	76.59%	81.19%	61st pctl	11 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution