Evertrust Bank
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Data as of · sourced from FFIEC call reports. How we update
Evertrust Bank is an FDIC-insured commercial bank headquartered in City of Industry, CA, established in 1995 (FDIC certificate 34010), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.13B, up 11.6% from Q2 2025, the 58th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.71% 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
- 34010
- Headquarters
- City of Industry, CA
- Established
- 1995
- Total assets, Q2 2026
- $1.13B
- Assets vs Q2 2025
- +11.6%
- Tier 1 leverage ratio, Q2 2026
- 21.71%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122242296
- Holding company
- IBT HOLDINGS CORP.
- Asset rank in state
- 58th of 113 in California
Problem loans are rising at Evertrust Bank. It reported $1.1 billion in assets at June 30, 2026, up 11.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.28% a year earlier. It returns 4.3% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 21.71% of its assets with Tier 1 capital, about double the median of 10.52% for banks its size.
Net income for the quarter slipped 11% from a year earlier, to $2.8 million. Over the same year, loans grew 2.4% and deposits grew 15.1%. Funding is the softer spot: it holds about half of its deposits (60%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, Evertrust Bank reported a return on assets of 1.04%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 3.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Evertrust Bank is the 58th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $1.13B, loans fell 0.8% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.6% of total loans, followed by multifamily loans at 20.4%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in CA; its City Of Industry 2 offices book 31% of its branch deposits. On its Q2 2026 call report, Evertrust Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13191 Crossroads Pkwy N, City of Industry, CA 91746
- County
- Los Angeles
- 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
- May 3, 1995
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 105
- Domestic deposits
- $848.6M
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $240K
- Average total assets
- $1.09B
- Average total loans
- $818.0M
- Average interest-bearing deposits
- $703.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1995
- FDIC Cert
- 34010
- Fed RSSD
- 2297998
- Website
- http://www.evertrustbank.com →
- Parent Holding Company
- IBT HOLDINGS CORP. (RSSD 3462485)
- Ultimate Parent
- O-BANK CO., LTD. (RSSD 3462494)
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, Evertrust Bank 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, Evertrust Bank's total assets ranged from $871.1M (Q4 2023) to $1.13B (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
$1.13B total assets against $1.01B; $863.7M total liabilities against $759.7M.
$807.9M net loans and leases against $788.4M; $848.6M total deposits against $737.1M.
$87.6M securities against $79.0M; $158.2M cash and balances due against $69.3M.
$14.8M total interest income against $14.0M; $5.7M total interest expense against $5.0M.
$9.1M net interest income against $9.0M.
$188K total noninterest income against $184K; $5.3M total noninterest expense against $4.7M.
$0 provision for credit losses against $0.
$2.8M net income against $3.2M.
1.04% return on assets against 1.32%; 3.54% net interest margin against 3.98%.
21.71% tier 1 leverage ratio against 23.23%.
Inside the full Evertrust Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Evertrust Bank rankings
Its closest position to the top of a national ranking is 36 of 980, for uninsured deposits; its furthest is 2,415 of 3,611, for ROA.
Metric pages for Evertrust Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q2 2026) to 4.85% (Q4 2024) and its net interest margin ran from 3.54% (Q2 2026) to 4.09% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.71% | 1.04% | 0.80% | 3.04% | 3.54% |
| Q1 2026 | 21.57% | 1.04% | 0.82% | 2.94% | 3.58% |
| Q4 2025 | 21.45% | 1.10% | 0.84% | 3.11% | 3.62% |
| Q3 2025 | 22.07% | 1.40% | 0.34% | 1.28% | 3.95% |
| Q2 2025 | 23.23% | 1.32% | 0.28% | 1.10% | 3.98% |
| Q1 2025 | 23.43% | 1.17% | 0.30% | 1.06% | 3.68% |
| Q4 2024 | 23.84% | 4.85% | 0.33% | 1.09% | 3.78% |
| Q3 2024 | 22.98% | 1.37% | 1.04% | 3.53% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| City of Industry | City Of Industry , CA | 91748 | $222.7M |
| Cupertino Branch | Cupertino , CA | 95014 | $213.4M |
| Cerritos Branch | Cerritos , CA | 90703 | $132.9M |
| Irvine Branch | Irvine , CA | 92604 | $88.6M |
| Alhambra Branch | Alhambra , CA | 91801 | $69.3M |
| Arcadia Branch | Arcadia , CA | 91007 | $54.9M |
| Evertrust Bank (main office) | City Of Industry , CA | 91746 | $37.6M |
| Milpitas Branch | Milpitas , CA | 95035 | $29.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 85 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12 applications, 11 loans originated, $25.8M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.5M approved, $827K 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
- 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 Evertrust Bank
What are Evertrust Bank's total assets?
As of the Q2 2026 filing, Evertrust Bank reported total assets of $1.13 billion in its FFIEC call report.
Where is Evertrust Bank headquartered?
It is headquartered in City of Industry, CA, United States.
When was Evertrust Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Evertrust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evertrust Bank?
Evertrust Bank's primary federal regulator is the FDIC.
How many branches does Evertrust Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evertrust Bank's Texas Ratio?
Its Texas Ratio is 3.04% 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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