TellerScore

Bank Irvine (FDIC certificate #59296) is based in Irvine, California. Its Q2 2026 call report shows $305.6M in total assets and $234.7M in deposits and 1 office.

Bank Irvine has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 24th. Capital cushion contributes the most (100/100, 22.76%); funding & liquidity contributes the least (17/100, 100% loans-to-deposits, 54% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 22.76%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity17/100
Loans ÷ deposits and uninsured-deposit share: 100.4% · 53.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202475
Q4 202472
Q1 202575
Q2 202578
Q3 202579
Q4 202579
Q1 202680
Q2 202679
Tier 1 leverage ratio
5.00%16.73%28.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202416.33%
Q3 202415.00%
Q4 202413.81%
Q1 202528.24%
Q2 202528.02%
Q3 202528.46%
Q4 202525.96%
Q1 202623.07%
Q2 202622.76%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.22%0.59%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.27%
Q3 20240.22%
Q4 20240.29%
Q1 20250.51%
Q2 20250.92%
Q3 20250.94%
Q4 20250.87%
Q1 20260.92%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$305.6M22.76%0.00%0.97%100.4%
Q1 202680$306.5M23.07%0.00%0.92%90.3%
Q4 202579$286.0M25.96%0.00%0.87%99.9%
Q3 202579$248.8M28.46%0.00%0.94%106.5%
Q2 202578$233.2M28.02%0.00%0.92%113.5%
Q1 202575$243.6M28.24%0.00%0.51%107.5%
Q4 202472$213.1M13.81%0.00%0.29%94.6%
Q3 202475$214.3M15.00%0.00%0.22%93.1%
Q2 202476$191.5M16.33%0.00%0.27%91.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio22.76%
97th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.97%
32nd
Net interest margin3.34%
22nd
Efficiency ratio53.0%
77th
Loans to deposits100.4%
10th
Uninsured deposits53.6%
3rd
Loan-loss reserves1.19%
49th
Texas ratio0.0%
95th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Monterey County BankBank Monterey, CA54 out of 100, Below average$300.4M8.4%0.24%vs
Gateway Bank, F.S.B.Bank Oakland, CA49 out of 100, Below average$288.2M13.8%2.15%vs
Mission National BankBank San Francisco, CA74 out of 100, Strong$276.4M13.9%0.00%vs
Genesis BankBank Newport Beach, CA58 out of 100, Moderate$340.3M11.0%0.04%vs
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Summit BankBank Oakland, CA57 out of 100, Moderate$264.4M16.4%1.48%vs

Deposit insurance

Is my money safe at Bank Irvine?

Yes. Bank Irvine is an FDIC-insured institution (FDIC certificate #59296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.6% of deposits ($125.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 22.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank Irvine lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank Irvine
Type
State-chartered bank
FDIC certificate #
59296
RSSD ID
5788705
Primary regulator
FDIC
Established
October 18, 2022
Headquarters
6201 Oak Canyon, Suite 150, Irvine, CA 92618
Employees
26

Quick answers

Bank Irvine: common questions

Is Bank Irvine FDIC insured?

Yes. Bank Irvine is an FDIC-insured institution (FDIC certificate #59296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank Irvine's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank Irvine ever failed?

There is no failure record for FDIC certificate #59296 in the FDIC failed bank list.

How many branches does Bank Irvine have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Irvine

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs