Icon Business Bank
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Data as of · sourced from FFIEC call reports. How we update
Icon Business Bank is an FDIC-insured commercial bank headquartered in Riverside, CA, established in 2023 (FDIC certificate 59314), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.5M, down 0.3% from Q2 2025, the 104th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.94% 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
- 59314
- Headquarters
- Riverside, CA
- Established
- 2023
- Total assets, Q2 2026
- $155.5M
- Assets vs Q2 2025
- -0.3%
- Tier 1 leverage ratio, Q2 2026
- 11.94%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122245390
- Latest call report
- Q2 2026, FFIEC 051 · Icon Business Bank call report
- Holding company
- ICON BANCORP
- Asset rank in state
- 104th of 113 in California
Icon Business Bank spends more to run itself than most banks of its size. The Riverside, California bank had $156 million in assets at June 30, 2026. It loses about $0.87 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 117 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $337,000 in the quarter. Over the same year, loans grew 13.8% and deposits shrank 6.4%. Funding is the softer spot: it pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Icon Business Bank reported a return on assets of -0.87%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.33%. The figures come from its call report filed with the FFIEC.
Icon Business Bank ranks as the 104th largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $155.5M, loans fell 3.2% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 45.8% of total loans, followed by owner-occupied commercial real estate loans at 28.7%. The FDIC Summary of Deposits lists 2 offices for it, in Riverside, CA and Santa Ana, CA; its Riverside office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Icon Business Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3390 University Ave, Riverside, CA 92501
- County
- Riverside
- Metro Area
- Riverside-San Bernardino-Ontario, 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
- August 22, 2023
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $129.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $43K
- Average total assets
- $155.6M
- Average total loans
- $122.9M
- Average interest-bearing deposits
- $107.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 22, 2023
- FDIC Cert
- 59314
- Fed RSSD
- 5805228
- SEC CIK
- 1829134 → filed by ICON BANCORP
- Website
- www.iconbusinessbank.com →
- Parent Holding Company
- ICON BANCORP (RSSD 5805237)
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, Icon Business Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Icon Business Bank's total assets moved between a low of $36.1M (Q4 2023) and a high of $163.0M (Q3 2025) from Q4 2023 to Q2 2026, and it posted no profit in any of the 11 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$155.5M total assets against $156.0M; $136.9M total liabilities against $142.2M.
$121.3M net loans and leases against $106.6M; $129.2M total deposits against $138.0M.
$6.8M securities against $4.0M; $21.4M cash and balances due against $39.9M.
$2.5M total interest income against $2.2M; $915K total interest expense against $1.1M.
$1.6M net interest income against $1.1M.
$252K total noninterest income against $37K; $2.2M total noninterest expense against $2.2M.
$19K provision for credit losses against $443K.
-$337K net income against -$1.5M.
-0.87% return on assets against -4.57%; 4.27% net interest margin against 3.60%.
11.94% tier 1 leverage ratio against 10.60%.
Inside the full Icon Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIcon Business Bank rankings
Its closest position to the top of a national ranking is 2,537 of 3,640, for Texas Ratio; its furthest is 3,591 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -9.83% (Q3 2024) to -0.87% (Q2 2026) and its net interest margin ran from 3.60% (Q2 2025) to 4.55% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.94% | -0.87% | 0.22% | 1.33% | 4.27% |
| Q1 2026 | 10.73% | -0.90% | 0.27% | 1.95% | 4.44% |
| Q4 2025 | 8.10% | -0.89% | 0.12% | 0.98% | 4.34% |
| Q3 2025 | 8.65% | -3.08% | 0.04% | 0.35% | 3.97% |
| Q2 2025 | 10.60% | -4.57% | 0.02% | 0.16% | 3.60% |
| Q1 2025 | 14.33% | -4.89% | 0.02% | 0.10% | 3.89% |
| Q4 2024 | 18.98% | -7.07% | 0.00% | 0.00% | 4.55% |
| Q3 2024 | 26.08% | -9.83% | 0.00% | 0.00% | 4.21% |
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 |
|---|---|---|---|
| Icon Business Bank (main office) | Riverside , CA | 92501 | $87.4M |
| Santa Ana Branch | Santa Ana , CA | 92707 | $41.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 146 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 9 loans, $13.7M 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
- Enforcement actions, 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 Icon Business Bank
What are Icon Business Bank's total assets?
As of the Q2 2026 filing, Icon Business Bank reported total assets of $155.5 million in its FFIEC call report.
Where is Icon Business Bank headquartered?
It is headquartered in Riverside, CA, United States.
When was Icon Business Bank founded?
It was established in 2023, per the FDIC institution directory.
Is Icon Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Icon Business Bank?
Icon Business Bank's primary federal regulator is the FDIC.
How many branches does Icon Business Bank 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 Icon Business Bank's Texas Ratio?
Its Texas Ratio is 1.33% 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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