Bank Irvine: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.21 percentage points higher than in Q1 2026, at 101.62%. Bank Irvine ranks 67th of 114 California banks on return on assets, in the lower half at 0.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bank Irvine sits 0.27 points lower, at 0.99% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 22.76% |
| Equity capital to assets | 22.87% |
| Tangible equity to tangible assets | 22.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 4.38% |
| Net interest margin | 3.29% |
| Efficiency ratio | 51.07% |
| Yield on earning assets | 5.75% |
| Cost of funds | 3.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.62% |
| Core deposits to total deposits | 56.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.81% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.69% | 1.67% | 5.04% | 0.00% | 0.00% |
| Q4 2023 | 15.51% | 0.20% | 4.51% | 0.00% | 0.00% |
| Q1 2024 | 16.59% | 0.99% | 3.78% | 0.00% | 0.00% |
| Q2 2024 | 16.33% | -0.41% | 3.70% | 0.00% | 0.00% |
| Q3 2024 | 15.00% | 0.14% | 3.23% | 0.00% | 0.00% |
| Q4 2024 | 13.81% | 0.46% | 3.11% | 0.00% | 0.00% |
| Q1 2025 | 28.24% | 0.49% | 3.56% | 0.00% | 0.00% |
| Q2 2025 | 28.02% | 1.28% | 3.89% | 0.00% | 0.00% |
| Q3 2025 | 28.46% | 1.02% | 3.94% | 0.00% | 0.00% |
| Q4 2025 | 25.96% | 0.71% | 3.63% | 0.00% | 0.00% |
| Q1 2026 | 23.07% | 0.92% | 3.21% | 0.00% | 0.00% |
| Q2 2026 | 22.76% | 0.99% | 3.29% | 0.00% | 0.00% |
Bank Irvine vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Irvine, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank Irvine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59296) · FFIEC NIC profile (RSSD 5788705)