TellerScore

Bank of Hope (FDIC certificate #26610) is based in Los Angeles, California. Its Q2 2026 call report shows $19.0B in total assets and $15.9B in deposits and 75 offices across 9 states.

Bank of Hope has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 132 banks with $10 billion – $100 billion. Among 116 banks headquartered in California, it ranks 86th. Problem-loan coverage contributes the most (89/100, 5.3%); funding & liquidity contributes the least (39/100, 93% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.82%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.88%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 40.3% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.30%

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

From Q2 2025 to Q2 2026, the score rose 6 points (54 → 60), mostly because the earnings component improved by 30 points.

TellerScore
545963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202462
Q1 202563
Q2 202554
Q3 202555
Q4 202557
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%8.37%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.46%
Q3 202411.46%
Q4 202411.68%
Q1 202511.73%
Q2 202510.45%
Q3 202510.72%
Q4 202510.93%
Q1 202610.84%
Q2 202610.82%
Noncurrent loans
0.72%0.87%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.77%
Q3 20241.03%
Q4 20240.86%
Q1 20250.72%
Q2 20250.89%
Q3 20250.95%
Q4 20251.02%
Q1 20260.95%
Q2 20260.88%
Return on assets
0.00%0.37%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.65%
Q4 20240.65%
Q1 20250.57%
Q2 20250.00%
Q3 20250.26%
Q4 20250.42%
Q1 20260.70%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$19.0B10.82%0.88%0.74%93.5%
Q1 202659$18.7B10.84%0.95%0.70%92.5%
Q4 202557$18.5B10.93%1.02%0.42%93.7%
Q3 202555$18.5B10.72%0.95%0.26%91.3%
Q2 202554$18.5B10.45%0.89%0.00%89.6%
Q1 202563$17.1B11.73%0.72%0.57%90.9%
Q4 202462$17.0B11.68%0.86%0.65%94.0%
Q3 202460$17.3B11.46%1.03%0.65%91.5%
Q2 202463$17.4B11.46%0.77%0.65%91.5%

132 peers · $10 billion – $100 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 ratio10.82%
70th
Total risk-based capital13.65%
37th
Problem loans0.88%
34th
Net charge-offs0.27%
26th
Return on assets0.74%
15th
Net interest margin2.98%
23rd
Efficiency ratio63.4%
18th
Loans to deposits93.5%
22nd
Uninsured deposits40.3%
43rd
Loan-loss reserves1.02%
33rd
Texas ratio5.3%
31st

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs
Mechanics BankBank Walnut Creek, CA65 out of 100, Moderate$21.2B9.4%0.41%vs
Bank of America California, National AssociationBank San Francisco, CA74 out of 100, Strong$14.8B12.4%0.66%vs
Cathay BankBank Los Angeles, CA69 out of 100, Moderate$24.6B11.5%0.54%vs
Farmers and Merchants Bank of Long BeachBank Long Beach, CA80 out of 100, Strong$11.8B14.0%0.01%vs
Axos BankBank San Diego, CA71 out of 100, Strong$28.9B9.2%0.44%vs

Deposit insurance

Is my money safe at Bank of Hope?

Yes. Bank of Hope is an FDIC-insured institution (FDIC certificate #26610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.3% of deposits ($6.4B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.65% (benchmark: 10%).

Check how much of your own balance is covered

75 locations

Branches

Bank of Hope lists 69 offices in 46 cities across 9 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 53 consumer complaints about HOPE BANCORP, INC. to the company (23 in the last 12 months). 84.9% received a timely response. That is 3.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Bank of Hope reported 1,286 home-loan applications under HMDA (LEI 549300F570XAWYN8Z237): 889 originated ($592,335,000 total), 102 denied, and 170 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Hope
Former names
California Central Bank; California Center Bank; Center Bank; BBCN Bank
Type
State-chartered bank
FDIC certificate #
26610
RSSD ID
671464
Primary regulator
FDIC
Holding company
Hope Bcorp Inc
Established
March 18, 1986
Headquarters
3200 Wilshire Blvd, Los Angeles, CA 90010
Employees
1,433

Quick answers

Bank of Hope: common questions

Is Bank of Hope FDIC insured?

Yes. Bank of Hope is an FDIC-insured institution (FDIC certificate #26610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Hope's TellerScore?

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

Has Bank of Hope ever failed?

There is no failure record for FDIC certificate #26610 in the FDIC failed bank list.

How many branches does Bank of Hope have?

75 offices as of the latest FDIC data, in 9 states.

Nearby

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