Infinity Bank
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Data as of · sourced from FFIEC call reports. How we update
Infinity Bank is an FDIC-insured commercial bank headquartered in Santa Ana, CA, established in 2018 (FDIC certificate 59098), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $359.5M, up 6.7% from Q2 2025, the 88th largest of 113 banks headquartered in California. Its CET1 capital ratio was 15.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59098
- Headquarters
- Santa Ana, CA
- Established
- 2018
- Total assets, Q2 2026
- $359.5M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 15.31%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122245219
- Holding company
- INFINITY BANCORP
- Asset rank in state
- 88th of 113 in California
Problem loans are rising at Infinity Bank. It reported $360 million in assets at June 30, 2026, up 6.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.24% a year earlier. It keeps 5.76 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 15.3% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.3% and deposits rose 6.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Infinity Bank reported a CET1 capital ratio of 15.31%, a return on assets of 1.66%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 5.19%. The figures come from its call report filed with the FFIEC.
Infinity Bank ranks as the 88th 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 8.5% to $359.5M, loans rose 14.1% and deposits fell 9.7%. Commercial and industrial loans made up 38.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.2%. Its one office in the FDIC Summary of Deposits is in Santa Ana, CA. By the capital ratios in its Q2 2026 call report, Infinity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Hutton Centre Dr, Santa Ana, CA 92707
- County
- Orange
- 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 041
- Established
- February 1, 2018
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $310.5M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $203K
- Average total assets
- $342.0M
- Average total loans
- $247.0M
- Average interest-bearing deposits
- $128.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 2018
- FDIC Cert
- 59098
- Fed RSSD
- 5193989
- SEC CIK
- 1962911 → filed by INFINITY BANCORP
- Website
- www.infinity.bank →
- Parent Holding Company
- INFINITY BANCORP (RSSD 5782299)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Infinity Bank's total assets ranged from $304.9M (Q4 2023) to $392.9M (Q1 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
$359.5M total assets against $337.1M; $316.5M total liabilities against $297.8M.
$251.3M net loans and leases against $217.7M; $310.5M total deposits against $291.6M.
$23.7M securities against $31.4M; $78.8M cash and balances due against $81.7M.
$5.8M total interest income against $5.8M; $940K total interest expense against $1.1M.
$4.9M net interest income against $4.7M.
$175K total noninterest income against $136K; $2.9M total noninterest expense against $2.8M.
$145K provision for credit losses against $52K.
$1.4M net income against $1.4M.
1.66% return on assets against 1.74%; 5.76% net interest margin against 5.84%.
15.31% CET1 capital ratio against 16.67%; 13.03% tier 1 leverage ratio against 12.69%.
Inside the full Infinity 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.
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.
Infinity Bank rankings
Its closest position to the top of a national ranking is 972 of 3,611, for ROA; its furthest is 2,193 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.20% (Q3 2024) to 1.77% (Q3 2025) and its net interest margin ran from 5.35% (Q4 2025) to 5.84% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.31% | 1.66% | 0.95% | 5.19% | 5.76% |
| Q1 2026 | 16.67% | 1.49% | 1.09% | 5.21% | 5.55% |
| Q4 2025 | 16.19% | 1.51% | 1.65% | 8.26% | 5.35% |
| Q3 2025 | 16.49% | 1.77% | 1.46% | 7.08% | 5.79% |
| Q2 2025 | 16.67% | 1.74% | 0.24% | 1.24% | 5.84% |
| Q1 2025 | 15.68% | 1.55% | 0.24% | 1.32% | 5.63% |
| Q4 2024 | 15.28% | 1.57% | 0.90% | 5.12% | 5.53% |
| Q3 2024 | 14.60% | 1.20% | 0.98% | 5.48% | 5.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Infinity Bank (main office) | Santa Ana , CA | 92707 | $310.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 122 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Infinity Bank
What are Infinity Bank's total assets?
As of the Q2 2026 filing, Infinity Bank reported total assets of $359.5 million in its FFIEC call report.
Where is Infinity Bank headquartered?
It is headquartered in Santa Ana, CA, United States.
When was Infinity Bank founded?
It was established in 2018, per the FDIC institution directory.
Is Infinity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Infinity Bank?
Infinity Bank's primary federal regulator is the FDIC.
What is Infinity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Infinity Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Infinity Bank's Texas Ratio?
Its Texas Ratio is 5.19% 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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