NANO BANC
NANO BANC is an FDIC-insured commercial bank headquartered in IRVINE, CA, established in 2007. As of , the bank reported total assets of $875M and total deposits of $733M. Profitability stands at -7.25% ROA and -109.23% ROE, with a net interest margin of 2.24%. CET1 capital ratio: 8.81%. NPL ratio: 28.14% · Texas Ratio: 235.37%. Operates 1 domestic branch.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Nano Banc rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 8.81% | -7.25% | 28.14% | 235.37% | 2.24% |
| 2025-09-30 | 11.28% | -14.85% | 15.39% | 103.55% | 3.18% |
| 2025-06-30 | 15.44% | -6.28% | 10.19% | 51.50% | 3.48% |
| 2025-03-31 | 17.54% | -0.10% | 1.77% | 8.27% | 3.95% |
| 2024-12-31 | 18.57% | -4.06% | 0.17% | 0.74% | 3.80% |
| 2024-09-30 | 19.56% | -0.28% | 2.35% | 9.50% | 3.65% |
| 2024-06-30 | 17.00% | 0.27% | 3.62% | 16.27% | 4.28% |
| 2024-03-31 | 16.09% | 0.28% | 5.17% | 23.71% | 3.97% |
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Frequently asked about NANO BANC
What are Nano Banc's total assets?
As of the Q4 2025 filing, Nano Banc reported total assets of $874.7 million in its most recent 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 required of all FDIC-insured commercial banks.
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 FED. 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 8.81% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Nano Banc operate?
Nano Banc operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Nano Banc's Texas Ratio?
Nano Banc's Texas Ratio is 235.37% — 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; see our /glossary/texas-ratio/ page for the full definition.