TellerScore

Headquartered in Whittier, California, Bank of Whittier, National Association is a national bank with $152.6M in total assets and $125.2M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1982.

Based on its Q2 2026 filing, Bank of Whittier, National Association scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 10th. Its strongest component is capital cushion (100/100; 16.38%), and its lowest is earnings (47/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.38%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings47/100
Return on assets (annualized): 0.69%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 21.1% 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

From Q2 2025 to Q2 2026, the score rose 2 points (85 → 87), mostly because the capital cushion component improved by 10 points.

TellerScore
828689Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202482
Q4 202482
Q1 202582
Q2 202585
Q3 202587
Q4 202588
Q1 202689
Q2 202687
Tier 1 leverage ratio
5.00%10.69%16.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.52%
Q3 202413.15%
Q4 202413.14%
Q1 202513.57%
Q2 202514.04%
Q3 202514.70%
Q4 202514.99%
Q1 202615.38%
Q2 202616.38%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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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
0.39%0.65%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.68%
Q4 20240.66%
Q1 20250.39%
Q2 20250.67%
Q3 20250.67%
Q4 20250.76%
Q1 20260.90%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$152.6M16.38%0.00%0.69%67.3%
Q1 202689$158.8M15.38%0.00%0.90%64.0%
Q4 202588$168.9M14.99%0.00%0.76%58.3%
Q3 202587$167.4M14.70%0.00%0.67%58.2%
Q2 202585$173.8M14.04%0.00%0.67%56.9%
Q1 202582$173.4M13.57%0.00%0.39%55.7%
Q4 202482$181.3M13.14%0.00%0.66%53.4%
Q3 202482$183.1M13.15%0.00%0.68%52.2%
Q2 202485$172.5M13.52%0.00%0.84%51.3%

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 ratio16.38%
92nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.69%
18th
Net interest margin2.45%
3rd
Efficiency ratio63.9%
46th
Loans to deposits67.3%
74th
Uninsured deposits21.1%
60th
Loan-loss reserves2.84%
98th
Texas ratio0.0%
95th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Icon Business BankBank Riverside, CA57 out of 100, Moderate$155.5M11.9%0.22%vs
Beacon Business Bank, National AssociationBank San Francisco, CA69 out of 100, Moderate$164.4M11.6%0.00%vs
California Business BankBank Irvine, CA77 out of 100, Strong$130.5M14.5%0.55%vs
Hatch BankBank San Marcos, CA78 out of 100, Strong$177.5M21.5%0.10%vs
Eastern International BankBank Los Angeles, CA80 out of 100, Strong$125.8M18.3%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs

Deposit insurance

Is my money safe at Bank of Whittier, National Association?

Yes. Bank of Whittier, National Association is an FDIC-insured institution (FDIC certificate #24211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.1% of deposits ($26.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.38%, 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

2 locations

Branches

Bank of Whittier, National Association lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Whittier, National Association reported 170 home-loan applications under HMDA (LEI 549300Q4JBLTKDC7J303): 74 originated ($30,410,000 total), 37 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.3%, 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 Whittier, National Association
Type
National bank
FDIC certificate #
24211
RSSD ID
209362
Primary regulator
OCC
Holding company
Greater Pacific Bancshares
Established
December 20, 1982
Headquarters
15141 Whittier Blvd, Whittier, CA 90603
Employees
22

Quick answers

Bank of Whittier, National Association: common questions

Is Bank of Whittier, National Association FDIC insured?

Yes. Bank of Whittier, National Association is an FDIC-insured institution (FDIC certificate #24211). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Whittier, National Association's TellerScore?

87 out of 100 (Very 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 of Whittier, National Association ever failed?

There is no failure record for FDIC certificate #24211 in the FDIC failed bank list.

How many branches does Bank of Whittier, National Association have?

2 offices as of the latest FDIC data, in 2 states.

Nearby

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