EverTrust Bank is a state-chartered bank headquartered in City Of Industry, California, in business for about 31 years. At the end of Q2 2026 it reported $1.1B in total assets and $848.6M in deposits, with 8 offices.
Based on its Q2 2026 filing, EverTrust Bank scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 45th. Its strongest component is capital cushion (100/100; 21.71%), and its lowest is funding & liquidity (15/100; 95% loans-to-deposits, 60% uninsured).
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 6 points (78 → 72), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 73 |
| Q4 2024 | 86 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 74 |
| Q1 2026 | 72 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 22.43% |
| Q3 2024 | 22.98% |
| Q4 2024 | 23.83% |
| Q1 2025 | 23.43% |
| Q2 2025 | 23.23% |
| Q3 2025 | 22.07% |
| Q4 2025 | 21.45% |
| Q1 2026 | 21.57% |
| Q2 2026 | 21.71% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.29% |
| Q4 2024 | 2.18% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $1.1B | 21.71% | 0.80% | 1.01% | 95.2% |
| Q1 2026 | 72 | $1.1B | 21.57% | 0.82% | 1.01% | 97.0% |
| Q4 2025 | 74 | $1.1B | 21.45% | 0.84% | 1.22% | 99.8% |
| Q3 2025 | 79 | $1.1B | 22.07% | 0.34% | 1.27% | 98.8% |
| Q2 2025 | 78 | $1.0B | 23.23% | 0.28% | 1.22% | 107.0% |
| Q1 2025 | 78 | $963.2M | 23.43% | 0.30% | 1.15% | 101.5% |
| Q4 2024 | 86 | $946.5M | 23.83% | 0.33% | 2.18% | 96.0% |
| Q3 2024 | 73 | $893.0M | 22.98% | 1.04% | 1.29% | 104.8% |
| Q2 2024 | 70 | $889.9M | 22.43% | 1.47% | 1.24% | 101.6% |
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 |
|---|---|---|---|---|---|
| First General BankBank Rowland Heights, CA | 71 out of 100, Strong | $1.2B | 26.3% | 1.83% | vs |
| Commerce West BankBank Irvine, CA | 61 out of 100, Moderate | $1.2B | 11.1% | 1.23% | vs |
| Pacific Coast Bankers' BankBank Walnut Creek, CA | 63 out of 100, Moderate | $1.2B | 11.3% | 0.52% | vs |
| Provident Savings Bank, F.S.B.Bank Riverside, CA | 66 out of 100, Moderate | $1.2B | 10.3% | 0.05% | vs |
| Bank of the OrientBank San Francisco, CA | 54 out of 100, Below average | $1.2B | 11.7% | 2.16% | vs |
| Golden State BankBank Glendale, CA | 63 out of 100, Moderate | $1.0B | 11.0% | 0.82% | vs |
Deposit insurance
Is my money safe at EverTrust Bank?
Yes. EverTrust Bank is an FDIC-insured institution (FDIC certificate #34010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 59.8% of deposits ($507.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 21.71%, 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%).
8 locations
Branches
EverTrust Bank lists 8 offices in 7 cities. Most locations:
- City Of Industry, CA (2)
- Alhambra, CA (1)
- Arcadia, CA (1)
- Cerritos, CA (1)
- Cupertino, CA (1)
- Irvine, CA (1)
- Milpitas, CA (1)
Identity & history
Profile
- Legal name
- EverTrust Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34010
- RSSD ID
- 2297998
- Primary regulator
- FDIC
- Holding company
- O-Bank Co Ltd
- Established
- May 3, 1995
- Headquarters
- 13191 Crossroads Pkwy N, City Of Industry, CA 91746
- Website
- www.evertrustbank.com
- Employees
- 105
Quick answers
EverTrust Bank: common questions
Is EverTrust Bank FDIC insured?
Yes. EverTrust Bank is an FDIC-insured institution (FDIC certificate #34010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is EverTrust Bank's TellerScore?
72 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 EverTrust Bank ever failed?
There is no failure record for FDIC certificate #34010 in the FDIC failed bank list.
How many branches does EverTrust Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near City Of Industry
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 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 |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |