Bank of the Orient (FDIC certificate #20387) is based in San Francisco, California. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in deposits and 11 offices across 3 states.
Based on its Q2 2026 filing, Bank of the Orient scores 54/100, which we describe as below average. That is higher than only 12% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 99th. Its strongest component is problem-loan coverage (72/100; 14.2%), and its lowest is loan quality (28/100; 2.16%).
TellerScore · Q2 2026
Scorecard
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 fell 13 points (67 → 54), mostly because the loan quality component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 77 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.16% |
| Q3 2024 | 13.59% |
| Q4 2024 | 13.69% |
| Q1 2025 | 13.78% |
| Q2 2025 | 13.00% |
| Q3 2025 | 12.93% |
| Q4 2025 | 12.61% |
| Q1 2026 | 12.06% |
| Q2 2026 | 11.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.35% |
| Q2 2025 | 1.15% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.79% |
| Q2 2026 | 2.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $1.2B | 11.65% | 2.16% | 0.76% | 93.0% |
| Q1 2026 | 69 | $1.2B | 12.06% | 0.79% | 0.87% | 96.1% |
| Q4 2025 | 68 | $1.1B | 12.61% | 0.82% | 0.68% | 98.6% |
| Q3 2025 | 70 | $1.1B | 12.93% | 0.91% | 0.81% | 96.4% |
| Q2 2025 | 67 | $1.0B | 13.00% | 1.15% | 0.79% | 94.8% |
| Q1 2025 | 77 | $982.5M | 13.78% | 0.35% | 0.77% | 96.0% |
| Q4 2024 | 75 | $965.0M | 13.69% | 0.56% | 0.82% | 96.9% |
| Q3 2024 | 79 | $972.9M | 13.59% | 0.08% | 0.74% | 94.9% |
| Q2 2024 | 81 | $937.9M | 14.16% | 0.02% | 0.72% | 95.2% |
897 peers · $1 billion – $10 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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Provident Savings Bank, F.S.B.Bank Riverside, CA | 66 out of 100, Moderate | $1.2B | 10.3% | 0.05% | vs |
| Pacific Coast Bankers' BankBank Walnut Creek, CA | 63 out of 100, Moderate | $1.2B | 11.3% | 0.52% | vs |
| Commerce West BankBank Irvine, CA | 61 out of 100, Moderate | $1.2B | 11.1% | 1.23% | vs |
| First General BankBank Rowland Heights, CA | 71 out of 100, Strong | $1.2B | 26.3% | 1.83% | vs |
| Savings Bank of Mendocino CountyBank Ukiah, CA | 86 out of 100, Very strong | $1.3B | 17.9% | 0.36% | vs |
| EverTrust BankBank City Of Industry, CA | 72 out of 100, Strong | $1.1B | 21.7% | 0.80% | vs |
Deposit insurance
Is my money safe at Bank of the Orient?
Yes. Bank of the Orient is an FDIC-insured institution (FDIC certificate #20387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.5% of deposits ($194.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.65%, 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%).
11 locations
Branches
Bank of the Orient lists 9 offices in 7 cities across 3 states. Most locations:
- San Francisco, CA (3)
- Burlingame, CA (1)
- Fuujian Province, (1)
- Houston, TX (1)
- Millbrae, CA (1)
- Oakland, CA (1)
- Sugar Land, TX (1)
Identity & history
Profile
- Legal name
- Bank of the Orient
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20387
- RSSD ID
- 777366
- Primary regulator
- FED
- Holding company
- Orient Bcorp
- Established
- March 17, 1971
- Headquarters
- 1023 Stockton St, San Francisco, CA 94108
- Website
- www.bankorient.com
- Employees
- 107
Quick answers
Bank of the Orient: common questions
Is Bank of the Orient FDIC insured?
Yes. Bank of the Orient is an FDIC-insured institution (FDIC certificate #20387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of the Orient's TellerScore?
54 out of 100 (Below average), 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 the Orient ever failed?
There is no failure record for FDIC certificate #20387 in the FDIC failed bank list.
How many branches does Bank of the Orient have?
11 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near San Francisco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |