Bank of the Orient
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Orient is an FDIC-insured commercial bank headquartered in San Francisco, CA, established in 1971 (FDIC certificate 20387), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.21B, up 18.9% from Q2 2025, the 53rd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20387
- Headquarters
- San Francisco, CA
- Established
- 1971
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +18.9%
- Tier 1 leverage ratio, Q2 2026
- 11.65%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 121029672
- Latest call report
- Q2 2026, FFIEC 031 · Bank of the Orient call report
- Holding company
- ORIENT BANCORPORATION
- Asset rank in state
- 53rd of 113 in California
Problem loans are rising at Bank of the Orient. Based in San Francisco, California, it had $1.2 billion in assets at June 30, 2026, up 18.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.16% of loans from 1.15% a year earlier. It pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size.
Its $368 million non-owner-occupied commercial real estate book is improving, with 2.30% past due or on nonaccrual, down from 4.66% a year earlier. Profitability lags: it returns 5.7% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, Bank of the Orient reported a return on assets of 0.66%, a nonperforming-loan ratio of 2.16% and a Texas ratio of 14.16%. The figures come from its call report filed with the FFIEC.
Bank of the Orient ranks as the 53rd largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.7% to $1.21B, loans rose 2.0% and deposits rose 5.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 37.2% of total loans, followed by owner-occupied commercial real estate loans at 28.2%. Its 9 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its San Francisco 3 offices book 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of the Orient meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1023 Stockton St, San Francisco, CA 94108
- County
- San Francisco
- Metro Area
- San Francisco-Oakland-Fremont, 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 031
- Established
- March 17, 1971
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $1.05B
- Allowance for credit losses
- $13.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.19B
- Average total loans
- $977.3M
- Average interest-bearing deposits
- $911.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 17, 1971
- FDIC Cert
- 20387
- Fed RSSD
- 777366
- SEC CIK
- 1538404 → filed by ORIENT BANCORPORATION
- Website
- www.bankorient.com →
- Parent Holding Company
- ORIENT BANCORPORATION (RSSD 1028533)
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 of the Orient reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of the Orient's total assets ranged from $876.3M (Q3 2023) to $1.21B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.02B; $1.08B total liabilities against $891.8M.
$977.0M net loans and leases against $819.9M; $1.05B total deposits against $865.1M.
$31.9M securities against $40.4M; $160.6M cash and balances due against $115.6M.
$17.2M total interest income against $15.2M; $7.6M total interest expense against $6.4M.
$9.7M net interest income against $8.7M.
$177K total noninterest income against $191K; $6.8M total noninterest expense against $6.0M.
$332K provision for credit losses against $0.
$2.0M net income against $2.0M.
0.66% return on assets against 0.81%; 3.36% net interest margin against 3.59%.
11.65% tier 1 leverage ratio against 13.00%.
Inside the full Bank of the Orient 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.
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).
Bank of the Orient rankings
Its closest position to the top of a national ranking is 346 of 3,640, for Texas Ratio; its furthest is 843 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q4 2025) to 1.03% (Q4 2024) and its net interest margin ran from 3.36% (Q2 2026) to 3.69% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.65% | 0.66% | 2.16% | 14.16% | 3.36% |
| Q1 2026 | 12.06% | 0.88% | 0.79% | 5.16% | 3.57% |
| Q4 2025 | 12.61% | 0.34% | 0.82% | 5.38% | 3.69% |
| Q3 2025 | 12.93% | 0.85% | 0.91% | 6.71% | 3.68% |
| Q2 2025 | 13.00% | 0.81% | 1.15% | 7.98% | 3.59% |
| Q1 2025 | 13.78% | 0.77% | 0.35% | 2.77% | 3.54% |
| Q4 2024 | 13.69% | 1.03% | 0.56% | 3.11% | 3.49% |
| Q3 2024 | 13.59% | 0.79% | 0.08% | 0.42% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → 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 of the Orient (main office) | San Francisco , CA | 94108 | $284.8M |
| Clement and Sixth Branch | San Francisco , CA | 94118 | $210.8M |
| Irving Street Branch | San Francisco , CA | 94122 | $207.2M |
| Oakland Branch | Oakland , CA | 94607 | $153.9M |
| Millbrae Branch | Millbrae , CA | 94030 | $140.2M |
| Sugar Land Branch | Sugar Land , TX | 77478 | $37.5M |
| Burlingame Branch | Burlingame , CA | 94010 | $16.0M |
| Bellaire Branch | Houston , TX | 77072 | $683K |
| Head Office Branch | Millbrae , CA | 94030 | $0 |
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 |
|---|---|---|---|
| October 14, 2000 | Structure Change | Acquired Bank of Honolulu Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 13, 2000 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- June 17, 2015, Federal Reserve: Cease and Desist Order: Bank of the Orient, San Francisco, California
- May 7, 2002, Federal Reserve: Cease and Desist Order: Bank of the Orient, San Francisco, CA
- Period: Most recent institution action June 17, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 80 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.9M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 of the Orient
What are Bank of the Orient's total assets?
As of the Q2 2026 filing, Bank of the Orient reported total assets of $1.21 billion in its FFIEC call report.
Where is Bank of the Orient headquartered?
It is headquartered in San Francisco, CA, United States.
When was Bank of the Orient founded?
It was established in 1971, per the FDIC institution directory.
Is Bank of the Orient FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Orient?
Bank of the Orient's primary federal regulator is the Federal Reserve.
How many branches does Bank of the Orient operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Orient's Texas Ratio?
Its Texas Ratio is 14.16% 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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