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Bank Irvine
Irvine, CA · FDIC Certificate #59296 · Chartered 10/1
Total assets
$305.64M
Total deposits
$234.75M
Total equity
$69.91M
Net loans
$235.74M
Branches (offices)
1
Net income (YTD)
$1.45M
Rank: #2,437 of 4,213 U.S. banks by assets · #92 of 115 in California. Assets changed 31.1% and deposits 42.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 4.18% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 22.87% |
| Tier 1 leverage ratio | 22.76% |
| Uninsured deposits (share of deposits) | 53.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 100.4% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $210.48M | 89.3% | |
| Commercial & industrial | $28.36M | 12.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2023 | $128.38M | $99.47M | -$661.00K | $27.59M |
| Jun 2024 | $191.53M | $161.05M | $255.00K | $29.04M |
| Jun 2025 | $233.19M | $164.23M | $1.06M | $67.04M |
| Jun 2026 | $305.64M | $234.75M | $1.45M | $69.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $234.75M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.75M.
Similar-sized banks
Craft Bank ($305.94M) · First Secure State Bank ($305.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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