Bank Irvine
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Data as of · sourced from FFIEC call reports. How we update
Bank Irvine is an FDIC-insured commercial bank headquartered in Irvine, CA, established in 2022 (FDIC certificate 59296), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $305.6M, up 31.1% from Q2 2025, the 91st largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59296
- Headquarters
- Irvine, CA
- Established
- 2022
- Total assets, Q2 2026
- $305.6M
- Assets vs Q2 2025
- +31.1%
- Tier 1 leverage ratio, Q2 2026
- 22.76%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122245387
- Asset rank in state
- 91st of 113 in California
Bank Irvine pays more for its money than most banks of its size. Its balance sheet stood at $306 million at June 30, 2026, up 31.1% from a year earlier; it is based in Irvine, California. It pays an average of 3.21% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 22.76% of its assets with Tier 1 capital, about double the median of 10.99% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 26.4% and deposits rose 42.9%. Profitability lags: it returns 4.4% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Bank Irvine reported a return on assets of 0.99%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank Irvine is the 91st largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $305.6M, loans rose 10.6% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 60.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.3%. The FDIC Summary of Deposits lists a single office for it, in Irvine, CA. Judged on its Q2 2026 call report, Bank Irvine meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6201 Oak Canyon, Suite 150, Irvine, CA 92618
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 18, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $234.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $307.1M
- Average total loans
- $227.3M
- Average interest-bearing deposits
- $208.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 18, 2022
- FDIC Cert
- 59296
- Fed RSSD
- 5788705
- Website
- www.bankirvine.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank Irvine reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank Irvine's total assets moved between a low of $166.8M (Q3 2023) and a high of $306.5M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$305.6M total assets against $233.2M; $235.7M total liabilities against $166.2M.
$235.7M net loans and leases against $186.4M; $234.7M total deposits against $164.2M.
$0 securities against $0; $66.4M cash and balances due against $43.5M.
$4.4M total interest income against $3.8M; $1.9M total interest expense against $1.4M.
$2.5M net interest income against $2.3M.
$37K total noninterest income against $133K; $1.3M total noninterest expense against $1.3M.
$190K provision for credit losses against $36K.
$760K net income against $766K.
0.99% return on assets against 1.28%; 3.29% net interest margin against 3.89%.
22.76% tier 1 leverage ratio against 28.02%.
Inside the full Bank Irvine terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank Irvine rankings
Its closest position to the top of a national ranking is 845 of 3,606, for efficiency ratio; its furthest is 3,470 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.14% (Q3 2024) to 1.28% (Q2 2025) and its net interest margin ran from 3.11% (Q4 2024) to 3.94% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.76% | 0.99% | 0.00% | 0.00% | 3.29% |
| Q1 2026 | 23.07% | 0.92% | 0.00% | 0.00% | 3.21% |
| Q4 2025 | 25.96% | 0.71% | 0.00% | 0.00% | 3.63% |
| Q3 2025 | 28.46% | 1.02% | 0.00% | 0.00% | 3.94% |
| Q2 2025 | 28.02% | 1.28% | 0.00% | 0.00% | 3.89% |
| Q1 2025 | 28.24% | 0.49% | 0.00% | 0.00% | 3.56% |
| Q4 2024 | 13.81% | 0.46% | 0.00% | 0.00% | 3.11% |
| Q3 2024 | 15.00% | 0.14% | 0.00% | 0.00% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank Irvine (main office) | Irvine , CA | 92618 | $234.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 130 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank Irvine
What are Bank Irvine's total assets?
As of the Q2 2026 filing, Bank Irvine reported total assets of $305.6 million in its FFIEC call report.
Where is Bank Irvine headquartered?
It is headquartered in Irvine, CA, United States.
When was Bank Irvine founded?
It was established in 2022, per the FDIC institution directory.
Is Bank Irvine FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank Irvine?
Bank Irvine's primary federal regulator is the FDIC.
How many branches does Bank Irvine operate?
It 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 Bank Irvine's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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