Nano Banc: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Nano Banc. The Irvine, California bank had $736 million in assets at June 30, 2026, down 20.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 25.73% of loans from 10.19% a year earlier. It loses about $1.19 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 1.76 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
It lost $2.3 million in the quarter. The non-owner-occupied commercial real estate book ($126 million) is worsening: 58.95% of it is past due or on nonaccrual, up from 17.42% a year earlier. Where it has less room is capital: it holds common equity equal to 7.83% of its risk-weighted assets, about half the median of 15.12% for banks its size.
As of June 30, 2026, Nano Banc reported a CET1 capital ratio of 7.83%, a return on assets of -1.19%, a nonperforming-loan ratio of 25.73% and a Texas ratio of 209.83%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 7755 Irvine Center Dr Fl 3, Irvine, CA 92618
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 17, 2007
- Offices
- 1 domestic
- Employees (FTE)
- 49
- Domestic deposits
- $685.8M
- Allowance for credit losses
- $19.9M
- Net charge-offs (YTD)
- $8.0M
- Average total assets
- $786.1M
- Average total loans
- $501.3M
- Average interest-bearing deposits
- $436.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 2007
- FDIC Cert
- 58590
- Fed RSSD
- 3635029
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Nano Banc terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Nano Banc, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 7.83% | -1.19% | 25.73% | 209.83% | 1.76% |
| Q1 2026 | 8.17% | 0.05% | 20.56% | 193.50% | 2.35% |
| Q4 2025 | 7.15% | -11.77% | 24.29% | 239.16% | 2.22% |
| Q3 2025 | 11.18% | -14.60% | 15.39% | 103.61% | 3.14% |
| Q2 2025 | 15.44% | -6.42% | 10.19% | 51.52% | 3.44% |
| Q1 2025 | 17.54% | -0.11% | 1.77% | 8.28% | 3.91% |
| Q4 2024 | 18.57% | -4.09% | 0.17% | 0.18% | 3.80% |
| Q3 2024 | 19.56% | -0.27% | 2.35% | 10.11% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nano Banc (main office) | Irvine , CA | 92618 | $685.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 26, 2026 | Structure Change | Failure, Government Assistance Provided | FFIEC NIC |
| September 25, 2026 | Failure | Failure / assisted resolution | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Nano Banc, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 1, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 96 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.4M approved, $278K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Nano Banc
What are Nano Banc's total assets?
As of the Q2 2026 filing, Nano Banc reported total assets of $736.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Nano Banc headquartered?
Nano Banc is headquartered in Irvine, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Nano Banc founded?
Nano Banc was established in 2007, per the FDIC institution directory.
Is Nano Banc FDIC-insured?
Yes. Nano Banc is an FDIC-insured commercial bank (FDIC Certificate #58590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nano Banc?
Nano Banc's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Nano Banc's CET1 capital ratio?
Nano Banc reported a Common Equity Tier 1 (CET1) capital ratio of 7.83% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Nano Banc operate?
Nano Banc operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nano Banc's Texas Ratio?
Nano Banc's Texas Ratio is 209.83% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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