TellerScore

Headquartered in Los Angeles, California, Preferred Bank is a state-chartered bank with $7.7B in total assets and $6.5B in deposits as of Q2 2026. It operates 17 offices across 3 states. Its charter dates back to 1991.

Preferred Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 90th. Earnings contributes the most (88/100, 1.69%); funding & liquidity contributes the least (25/100, 96% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.55%
Loan quality48/100
Noncurrent loans ÷ total loans: 1.57%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity25/100
Loans ÷ deposits and uninsured-deposit share: 95.8% · 50.3% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.71%

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 8 points (66 → 58), mostly because the loan quality component weakened by 22 points.

TellerScore
456176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202475
Q4 202476
Q1 202563
Q2 202566
Q3 202571
Q4 202566
Q1 202645
Q2 202658
Tier 1 leverage ratio
5.00%8.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.89%
Q3 202411.28%
Q4 202411.33%
Q1 202511.52%
Q2 202510.73%
Q3 202510.66%
Q4 202510.54%
Q1 202610.37%
Q2 202610.55%
Noncurrent loans
0.17%1.46%2.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.75%
Q3 20240.35%
Q4 20240.17%
Q1 20251.40%
Q2 20250.91%
Q3 20250.30%
Q4 20250.85%
Q1 20262.76%
Q2 20261.57%
Return on assets
1.63%1.81%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.99%
Q3 20241.97%
Q4 20241.92%
Q1 20251.71%
Q2 20251.77%
Q3 20251.83%
Q4 20251.84%
Q1 20261.63%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$7.7B10.55%1.57%1.69%95.8%
Q1 202645$7.7B10.37%2.76%1.63%94.2%
Q4 202566$7.6B10.54%0.85%1.84%94.3%
Q3 202571$7.5B10.66%0.30%1.83%93.1%
Q2 202566$7.3B10.73%0.91%1.77%93.3%
Q1 202563$7.1B11.52%1.40%1.71%91.7%
Q4 202476$6.9B11.33%0.17%1.92%94.3%
Q3 202475$6.9B11.28%0.35%1.97%93.7%
Q2 202470$6.8B10.89%0.75%1.99%91.2%

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).

Capital ratio10.55%
51st
Total risk-based capital13.74%
52nd
Problem loans1.57%
14th
Net charge-offs0.18%
22nd
Return on assets1.69%
79th
Net interest margin3.64%
46th
Efficiency ratio33.0%
96th
Loans to deposits95.8%
23rd
Uninsured deposits50.3%
9th
Loan-loss reserves1.21%
61st
Texas ratio11.7%
12th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Hanmi BankBank Los Angeles, CA73 out of 100, Strong$8.0B11.7%0.15%vs
Mizrahi Tefahot Bank, Ltd.Bank Los Angeles, CA45 out of 100, Below average$7.4B0.0%0.12%vs
Poppy BankBank Santa Rosa, CA52 out of 100, Below average$8.3B9.7%1.89%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs
First American Trust, FSBBank Santa Ana, CA67 out of 100, Moderate$9.2B7.9%0.00%vs
River City BankBank Sacramento, CA69 out of 100, Moderate$6.0B9.2%0.00%vs

Deposit insurance

Is my money safe at Preferred Bank?

Yes. Preferred Bank is an FDIC-insured institution (FDIC certificate #33539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.3% of deposits ($3.3B) 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 10.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.74% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Preferred Bank lists 17 offices in 15 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Preferred Bank reported 241 home-loan applications under HMDA (LEI 5493007K6HGI9G0ECX16): 181 originated ($237,745,000 total), 26 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, 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
Preferred Bank
Type
State-chartered bank
FDIC certificate #
33539
RSSD ID
1918344
Primary regulator
FDIC
Established
December 23, 1991
Headquarters
601 S Figueroa St, Los Angeles, CA 90017
Employees
321

Quick answers

Preferred Bank: common questions

Is Preferred Bank FDIC insured?

Yes. Preferred Bank is an FDIC-insured institution (FDIC certificate #33539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Preferred Bank's TellerScore?

58 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 Preferred Bank ever failed?

There is no failure record for FDIC certificate #33539 in the FDIC failed bank list.

How many branches does Preferred Bank have?

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

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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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