TellerScore

Headquartered in Los Angeles, California, Open Bank is a state-chartered bank with $2.7B in total assets and $2.4B in deposits as of Q2 2026. It operates 17 offices across 3 states. Its charter dates back to 2005.

Open Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 109th. Earnings contributes the most (68/100, 1.20%); funding & liquidity contributes the least (27/100, 95% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.15%
Loan quality30/100
Noncurrent loans ÷ total loans: 2.09%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 95.1% · 49.7% uninsured
Problem-loan coverage67/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.34%

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 5 points (52 → 47), mostly because the loan quality component weakened by 34 points.

TellerScore
465359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202456
Q4 202450
Q1 202551
Q2 202552
Q3 202549
Q4 202551
Q1 202646
Q2 202647
Tier 1 leverage ratio
5.00%7.57%10.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.27%
Q3 20249.22%
Q4 20249.20%
Q1 20259.15%
Q2 20258.87%
Q3 20258.93%
Q4 20259.91%
Q1 202610.00%
Q2 202610.15%
Noncurrent loans
0.50%1.35%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.84%
Q4 20241.30%
Q1 20251.27%
Q2 20251.09%
Q3 20251.39%
Q4 20251.59%
Q1 20262.19%
Q2 20262.09%
Return on assets
0.94%1.07%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20240.98%
Q4 20240.95%
Q1 20250.94%
Q2 20250.99%
Q3 20251.02%
Q4 20251.05%
Q1 20261.16%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$2.7B10.15%2.09%1.20%95.1%
Q1 202646$2.7B10.00%2.19%1.16%95.2%
Q4 202551$2.7B9.91%1.59%1.05%95.4%
Q3 202549$2.6B8.93%1.39%1.02%93.6%
Q2 202552$2.6B8.87%1.09%0.99%91.5%
Q1 202551$2.5B9.15%1.27%0.94%92.3%
Q4 202450$2.4B9.20%1.30%0.95%95.5%
Q3 202456$2.4B9.22%0.84%0.98%92.7%
Q2 202459$2.3B9.27%0.50%0.99%95.5%

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).

Capital ratio10.15%
41st
Total risk-based capital13.35%
47th
Problem loans2.09%
8th
Net charge-offs0.01%
63rd
Return on assets1.20%
45th
Net interest margin3.23%
23rd
Efficiency ratio55.8%
60th
Loans to deposits95.1%
26th
Uninsured deposits49.7%
10th
Loan-loss reserves1.23%
63rd
Texas ratio16.3%
6th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
CalPrivate BankBank La Jolla, CA65 out of 100, Moderate$2.7B11.5%1.26%vs
AvidbankBank San Jose, CA70 out of 100, Strong$2.7B12.0%0.65%vs
United Business BankBank Walnut Creek, CA60 out of 100, Moderate$2.6B11.7%0.47%vs
West Coast Community BankBank Santa Cruz, CA75 out of 100, Strong$2.9B12.0%0.50%vs
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs

Deposit insurance

Is my money safe at Open Bank?

Yes. Open Bank is an FDIC-insured institution (FDIC certificate #57944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.7% of deposits ($1.2B) 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 10.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Open Bank lists 12 offices in 8 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Open Bank reported 34 home-loan applications under HMDA (LEI 549300WOJCNL7B110W30): 26 originated ($62,930,000 total), 5 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, 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
Open Bank
Former names
First Standard Bank
Type
State-chartered bank
FDIC certificate #
57944
RSSD ID
3357219
Primary regulator
FDIC
Holding company
Op Bcorp
Established
June 10, 2005
Headquarters
1000 Wilshire Blvd, Los Angeles, CA 90017
Employees
256

Quick answers

Open Bank: common questions

Is Open Bank FDIC insured?

Yes. Open Bank is an FDIC-insured institution (FDIC certificate #57944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Open Bank's TellerScore?

47 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 Open Bank ever failed?

There is no failure record for FDIC certificate #57944 in the FDIC failed bank list.

How many branches does Open Bank have?

17 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Los Angeles

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs