Nano Banc
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Data as of · sourced from FFIEC call reports. How we update
Nano Banc was an FDIC-insured commercial bank headquartered in Irvine, CA, established in 2007 (FDIC certificate 58590), and it was supervised by the Federal Reserve. Its final call report, for Q2 2026, showed total assets of $736.2M.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58590
- Headquarters
- Irvine, CA
- Established
- 2007
- Total assets, Q2 2026
- $736.2M
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122245251
Problem loans are rising at Nano Banc. The Irvine, California bank had $736 million in assets at June 30, 2026, down 20.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 25.73% of loans from 10.19% a year earlier. It loses about $1.19 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 keeps 1.76 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
It lost $2.3 million in the quarter. The non-owner-occupied commercial real estate book ($126 million) is worsening: 58.95% of it is past due or on nonaccrual, up from 17.42% a year earlier. Where it has less room is capital: it holds common equity equal to 7.83% of its risk-weighted assets, about half the median of 15.12% for banks its size.
As of June 30, 2026, Nano Banc reported a CET1 capital ratio of 7.83%, a return on assets of -1.19%, a nonperforming-loan ratio of 25.73% and a Texas ratio of 209.83%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 14.4% to $736.2M, loans fell 6.1% and deposits fell 13.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.3% of total loans, ahead of 1-4 family residential loans at 24.3%. Its one office in the FDIC Summary of Deposits is in Irvine, CA. On its Q2 2026 call report, Nano Banc meets the capital ratio tests for adequately capitalized, not well capitalized.
Headquarters Profile
- Address
- 7755 Irvine Center Dr Fl 3, Irvine, CA 92618
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 17, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $685.8M
- Allowance for credit losses
- $19.9M
- Net charge-offs (YTD)
- $8.0M
- Average total assets
- $786.1M
- Average total loans
- $501.3M
- Average interest-bearing deposits
- $436.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 2007
- FDIC Cert
- 58590
- Fed RSSD
- 3635029
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
Over the 12 quarters to Q2 2026, Nano Banc's total assets ran between $736.2M (Q2 2026) and $1.05B (Q3 2024), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$736.2M total assets against $931.1M; $697.4M total liabilities against $830.2M.
$458.9M net loans and leases against $592.4M; $685.8M total deposits against $804.6M.
$40.1M securities against $69.6M; $202.4M cash and balances due against $220.3M.
$7.9M total interest income against $11.5M; $4.4M total interest expense against $3.5M.
$3.5M net interest income against $8.0M.
$1.3M total noninterest income against $1.4M; -$7.2M total noninterest expense against $24.9M.
$14.4M provision for credit losses against $6.0M.
-$2.3M net income against -$15.1M.
-1.19% return on assets against -6.42%; 1.76% net interest margin against 3.44%.
7.83% CET1 capital ratio against 15.44%; 5.04% tier 1 leverage ratio against 10.20%.
Inside the full Nano Banc 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.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named. Analyst heuristic (Cassidy/RBC), not a supervisory threshold.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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).
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -14.60% (Q3 2025) to 0.05% (Q1 2026) and its net interest margin ran from 1.76% (Q2 2026) to 3.91% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 7.83% | -1.19% | 25.73% | 209.83% | 1.76% |
| Q1 2026 | 8.17% | 0.05% | 20.56% | 193.50% | 2.35% |
| Q4 2025 | 7.15% | -11.77% | 24.29% | 239.16% | 2.22% |
| Q3 2025 | 11.18% | -14.60% | 15.39% | 103.61% | 3.14% |
| Q2 2025 | 15.44% | -6.42% | 10.19% | 51.52% | 3.44% |
| Q1 2025 | 17.54% | -0.11% | 1.77% | 8.28% | 3.91% |
| Q4 2024 | 18.57% | -4.09% | 0.17% | 0.18% | 3.80% |
| Q3 2024 | 19.56% | -0.27% | 2.35% | 10.11% | 3.62% |
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 |
|---|---|---|---|
| Nano Banc (main office) | Irvine , CA | 92618 | $685.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 26, 2026 | Structure Change | Failure, Government Assistance Provided | FFIEC NIC |
| September 25, 2026 | Failure | Failure / assisted resolution | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 1, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 96 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.4M approved, $278K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Nano Banc
What are Nano Banc's total assets?
As of the Q2 2026 filing, Nano Banc reported total assets of $736.2 million in its FFIEC call report.
Where is Nano Banc headquartered?
It is headquartered in Irvine, CA, United States.
When was Nano Banc founded?
It was established in 2007, per the FDIC institution directory.
Is Nano Banc FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nano Banc?
Nano Banc's primary federal regulator is the Federal Reserve.
What is Nano Banc's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 7.83% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Nano Banc 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 Nano Banc's Texas Ratio?
Its Texas Ratio is 209.83% in its Q2 2026 call report, elevated; historically a Texas Ratio above 100% correlates with elevated failure risk. The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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