Mega Bank
BankRegReports is independent of Mega Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Mega Bank is an FDIC-insured commercial bank headquartered in San Gabriel, CA, established in 2008 (FDIC certificate 58401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $506.7M, down 0.4% from Q2 2025, the 80th largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.35% 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
- 58401
- Headquarters
- San Gabriel, CA
- Established
- 2008
- Total assets, Q2 2026
- $506.7M
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 16.35%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 122244870
- Asset rank in state
- 80th of 113 in California
Mega Bank pays more for its money than most banks of its size. Its balance sheet stood at $507 million at June 30, 2026; it is based in San Gabriel, California. It pays an average of 3.37% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.8 million, 50% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($114 million) is worsening: 11.14% of it is past due or on nonaccrual, up from 5.94% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.8% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Mega Bank reported a CET1 capital ratio of 16.35%, a return on assets of 1.39%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 8.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mega Bank is the 80th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $506.7M, loans rose 4.4% and deposits fell 2.6%. Non-owner-occupied commercial real estate loans made up 26.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 26.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in CA; its San Gabriel office books 32% of its branch deposits. On its Q2 2026 call report, Mega Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 245 W Valley Blvd, San Gabriel, CA 91776
- 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
- February 5, 2008
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $426.1M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $85K
- Average total assets
- $517.9M
- Average total loans
- $409.8M
- Average interest-bearing deposits
- $411.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 2008
- FDIC Cert
- 58401
- Fed RSSD
- 3690635
- Website
- https://www.megabankusa.com →
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
Mega Bank's total assets moved between a low of $470.8M (Q3 2023) and a high of $537.2M (Q1 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
$506.7M total assets against $508.8M; $432.6M total liabilities against $440.0M.
$427.5M net loans and leases against $407.7M; $426.1M total deposits against $434.6M.
$8.2M securities against $8.3M; $48.0M cash and balances due against $71.3M.
$8.8M total interest income against $8.6M; $3.7M total interest expense against $3.9M.
$5.1M net interest income against $4.7M.
$575K total noninterest income against $390K; $2.9M total noninterest expense against $3.1M.
$221K provision for credit losses against $274K.
$1.8M net income against $1.2M.
1.39% return on assets against 0.94%; 4.12% net interest margin against 3.74%.
16.35% CET1 capital ratio against 15.75%; 14.43% tier 1 leverage ratio against 13.61%.
Inside the full Mega 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Mega Bank rankings
Its closest position to the top of a national ranking is 745 of 3,640, for Texas Ratio; its furthest is 1,545 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q3 2025) to 1.39% (Q2 2026) and its net interest margin ran from 3.45% (Q1 2026) to 4.22% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.35% | 1.39% | 1.61% | 8.77% | 4.12% |
| Q1 2026 | 16.48% | 0.88% | 2.23% | 13.05% | 3.45% |
| Q4 2025 | 15.92% | 1.31% | 2.64% | 15.53% | 3.60% |
| Q3 2025 | 15.44% | 0.69% | 1.44% | 9.72% | 4.22% |
| Q2 2025 | 15.75% | 0.94% | 1.49% | 9.92% | 3.74% |
| Q1 2025 | 15.03% | 0.90% | 1.75% | 10.45% | 3.78% |
| Q4 2024 | 15.30% | 1.16% | 1.82% | 10.61% | 3.51% |
| Q3 2024 | 15.41% | 1.00% | 0.43% | 2.52% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Mega Bank (main office) | San Gabriel , CA | 91776 | $136.1M |
| Hacienda Heights Branch | Hacienda Heights , CA | 91745 | $128.8M |
| Arcadia Branch | Arcadia , CA | 91007 | $86.1M |
| Irvine Branch | Irvine , CA | 92602 | $75.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 112 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 11 loans, $21.8M approved, $2.0M 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
Add this badge to your website
Free to use. It shows Mega Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Mega Bank
What are Mega Bank's total assets?
As of the Q2 2026 filing, Mega Bank reported total assets of $506.7 million in its FFIEC call report.
Where is Mega Bank headquartered?
It is headquartered in San Gabriel, CA, United States.
When was Mega Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Mega Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mega Bank?
Mega Bank's primary federal regulator is the FDIC.
What is Mega Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mega Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mega Bank's Texas Ratio?
Its Texas Ratio is 8.77% 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.
Go deeper on Mega Bank.
Get an email when Mega Bank files its next call report, and benchmark it against any peer you choose.
Unlock Mega Bank, freeFree account