Bank Comparison
Bank of the Orient vs Evertrust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.06% | 21.57% |
| Equity / Assets | 11.67% | 23.23% |
Profitability
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.04% |
| Return on Equity (ROE) | 7.39% | 4.37% |
| Net Interest Margin (NIM) | 3.57% | 3.58% |
| Yield on Earning Assets | 6.09% | 5.76% |
| Cost of Funds | 2.83% | 2.66% |
Asset quality
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| Texas Ratio | 5.16% | 2.94% |
| Non-Performing Loan Ratio | 0.79% | 0.82% |
| Non-Performing Asset Ratio | 0.66% | 0.61% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.38% | 1.14% |
Balance sheet
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| Total Assets | $1,160M | $1,114M |
| Total Deposits | $996,322K | $839,626K |
| Total Loans | $970,880K | $824,018K |
| Total Equity | $135,384K | $258,927K |
| Net Income (quarter) | $2,479K | $2,817K |
Liquidity & funding
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 97.45% | 98.14% |
| Core Deposit Ratio | 80.60% | 63.56% |
| Uninsured Deposit Ratio | 17.46% | 59.33% |
Identity
| Metric | Bank of the Orient | Evertrust Bank |
|---|---|---|
| Headquarters City | SAN FRANCISCO | CITY OF INDUSTRY |
| Headquarters State | CA | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 8 |
| Employees (FTE) | 104 | 96 |
| Established | March 17, 1971, midnight | May 3, 1995, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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