Mega Bank is a state-chartered bank headquartered in San Gabriel, California, in business for about 18 years. At the end of Q2 2026 it reported $506.7M in total assets and $426.1M in deposits, with 4 offices.
Based on its Q2 2026 filing, Mega Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 68th. Its strongest component is capital cushion (94/100; 14.43%), and its lowest is funding & liquidity (46/100; 100% loans-to-deposits, 27% 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 rose 3 points (65 → 68), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 61 |
| Q1 2025 | 60 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 56 |
| Q1 2026 | 60 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.18% |
| Q3 2024 | 12.89% |
| Q4 2024 | 12.70% |
| Q1 2025 | 12.99% |
| Q2 2025 | 13.61% |
| Q3 2025 | 13.99% |
| Q4 2025 | 13.85% |
| Q1 2026 | 13.95% |
| Q2 2026 | 14.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.43% |
| Q4 2024 | 1.82% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.44% |
| Q4 2025 | 2.64% |
| Q1 2026 | 2.23% |
| Q2 2026 | 1.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.02% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $506.7M | 14.43% | 1.61% | 1.15% | 100.3% |
| Q1 2026 | 60 | $515.1M | 13.95% | 2.23% | 0.90% | 93.6% |
| Q4 2025 | 56 | $510.0M | 13.85% | 2.64% | 0.97% | 95.7% |
| Q3 2025 | 66 | $509.6M | 13.99% | 1.44% | 0.84% | 100.2% |
| Q2 2025 | 65 | $508.8M | 13.61% | 1.49% | 0.92% | 93.8% |
| Q1 2025 | 60 | $509.9M | 12.99% | 1.75% | 0.91% | 97.8% |
| Q4 2024 | 61 | $524.4M | 12.70% | 1.82% | 1.02% | 92.5% |
| Q3 2024 | 74 | $517.5M | 12.89% | 0.43% | 0.97% | 91.3% |
| Q2 2024 | 72 | $518.2M | 12.18% | 0.45% | 0.96% | 87.9% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Pacific BankBank Whittier, CA | 56 out of 100, Moderate | $514.4M | 9.2% | 0.31% | vs |
| First Credit BankBank Los Angeles, CA | 64 out of 100, Moderate | $515.8M | 47.6% | 3.33% | vs |
| Chino Commercial Bank, N.A.Bank Chino, CA | 79 out of 100, Strong | $516.7M | 12.5% | 0.49% | vs |
| New OMNI Bank, National AssociationBank Alhambra, CA | 53 out of 100, Below average | $517.9M | 27.1% | 7.69% | vs |
| Pacific Alliance BankBank San Gabriel, CA | 85 out of 100, Very strong | $454.4M | 13.4% | 0.16% | vs |
| Redwood Capital BankBank Eureka, CA | 76 out of 100, Strong | $566.0M | 11.0% | 0.13% | vs |
Deposit insurance
Is my money safe at Mega Bank?
Yes. Mega Bank is an FDIC-insured institution (FDIC certificate #58401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($116.4M) 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 14.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.60% (benchmark: 10%).
4 locations
Branches
Mega Bank lists 4 offices in 4 cities. Most locations:
- Arcadia, CA (1)
- Hacienda Heights, CA (1)
- Irvine, CA (1)
- San Gabriel, CA (1)
Identity & history
Profile
- Legal name
- Mega Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58401
- RSSD ID
- 3690635
- Primary regulator
- FDIC
- Established
- February 5, 2008
- Headquarters
- 245 W Valley Blvd, San Gabriel, CA 91776
- Website
- www.megabankusa.com
- Employees
- 49
Quick answers
Mega Bank: common questions
Is Mega Bank FDIC insured?
Yes. Mega Bank is an FDIC-insured institution (FDIC certificate #58401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mega Bank's TellerScore?
68 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 Mega Bank ever failed?
There is no failure record for FDIC certificate #58401 in the FDIC failed bank list.
How many branches does Mega Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Gabriel
| 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 |
| 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 |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |