Bank of Whittier, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Bank of Whittier, N.A. is an FDIC-insured commercial bank headquartered in Whittier, CA, established in 1982 (FDIC certificate 24211), and it is supervised by the OCC. At Q2 2026 it reported total assets of $152.6M, down 12.2% from Q2 2025, the 105th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.38% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24211
- Headquarters
- Whittier, CA
- Established
- 1982
- Total assets, Q2 2026
- $152.6M
- Assets vs Q2 2025
- -12.2%
- Tier 1 leverage ratio, Q2 2026
- 16.38%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122239542
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Whittier, N.A. call report
- Holding company
- UNIVERSITY BANCORP, INC.
- Asset rank in state
- 105th of 113 in California
Bank of Whittier, N.A., based in Whittier, California, reported $153 million in assets at June 30, 2026, down 12.2% from a year earlier. It returns 2.8% a year on shareholders' equity, a small fraction of the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 2.48 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Earnings fell sharply: quarterly net income of $181,000 was 56% below a year earlier. Over the same year, loans grew 0.2% and deposits shrank 15.4%. Funding is the softer spot: it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Bank of Whittier, N.A. reported a return on assets of 0.46%, 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 of Whittier, N.A. is the 105th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets fell 3.9% to $152.6M, loans rose 0.5% and deposits fell 4.5%. Owner-occupied commercial real estate loans made up 35.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 31.5%. The FDIC Summary of Deposits lists 2 offices for it, in Whittier, CA and Richardson, TX; its Whittier office books 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Whittier, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15141 Whittier Blvd, Whittier, CA 90603
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- December 20, 1982
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $125.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $155.7M
- Average total loans
- $85.7M
- Average interest-bearing deposits
- $117.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 1982
- FDIC Cert
- 24211
- Fed RSSD
- 209362
- SEC CIK
- 811211 → filed by UNIVERSITY BANCORP, INC.
- Website
- http://www.whittierbank.com →
- Parent Holding Company
- UNIVERSITY BANCORP, INC. (RSSD 1496253) · UNIB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ranzini Stephen Lange | CEO | President & CEO |
| Nicholas K Fortson | CFO | CFO |
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 Whittier, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Whittier, N.A.'s total assets moved between a low of $152.6M (Q2 2026) and a high of $183.1M (Q3 2024) from Q3 2023 to 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
$152.6M total assets against $173.8M; $127.1M total liabilities against $149.3M.
$84.2M net loans and leases against $84.2M; $125.2M total deposits against $147.9M.
$0 securities against $0; $62.4M cash and balances due against $83.1M.
$1.8M total interest income against $2.3M; $896K total interest expense against $1.3M.
$945K net interest income against $1.0M.
$216K total noninterest income against $347K; $808K total noninterest expense against $721K.
$100K provision for credit losses against $39K.
$181K net income against $413K.
0.46% return on assets against 0.95%; 2.48% net interest margin against 2.36%.
16.38% tier 1 leverage ratio against 14.04%.
Inside the full Bank of Whittier, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Whittier, N.A. rankings
Its closest position to the top of a national ranking is 2,714 of 3,606, for efficiency ratio; its furthest is 3,569 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2024) to 1.06% (Q4 2025) and its net interest margin ran from 1.90% (Q1 2025) to 2.54% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.38% | 0.46% | 0.00% | 0.00% | 2.48% |
| Q1 2026 | 15.38% | 0.88% | 0.00% | 0.00% | 2.30% |
| Q4 2025 | 14.99% | 1.06% | 0.00% | 0.00% | 2.54% |
| Q3 2025 | 14.70% | 0.67% | 0.00% | 0.00% | 2.33% |
| Q2 2025 | 14.04% | 0.95% | 0.00% | 0.00% | 2.36% |
| Q1 2025 | 13.57% | 0.39% | 0.00% | 0.00% | 1.90% |
| Q4 2024 | 13.14% | 0.62% | 0.00% | 0.00% | 2.23% |
| Q3 2024 | 13.15% | 0.37% | 0.00% | 0.00% | 1.99% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Whittier, N.A. (main office) | Whittier , CA | 90603 | $106.2M |
| Richardson Branch | Richardson , TX | 75081 | $19.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 150 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 183 applications, 74 loans originated, $30.4M originated, across 34 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Whittier, N.A.
What are Bank of Whittier, N.A.'s total assets?
As of the Q2 2026 filing, Bank of Whittier, N.A. reported total assets of $152.6 million in its FFIEC call report.
Where is Bank of Whittier, N.A. headquartered?
It is headquartered in Whittier, CA, United States.
When was Bank of Whittier, N.A. founded?
It was established in 1982, per the FDIC institution directory.
Is Bank of Whittier, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Whittier, N.A.?
Bank of Whittier, N.A.'s primary federal regulator is the OCC.
How many branches does Bank of Whittier, N.A. operate?
It operates 2 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 Whittier, N.A.'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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