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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Irvine, CA · FDIC certificate #59296
BANK IRVINE is an FDIC-insured institution based in Irvine, CA (FDIC certificate #59296). In its Q3 2026 Call Report it reported total assets of $316M, total deposits of $243M and net loans of $265M. Its primary federal regulator is FDIC.
Plain-language readout
BANK IRVINE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $316M in Q3 2026 and were lowest at $306M in Q2 2026.
Total deposits were highest at $243M in Q3 2026 and lowest at $235M in Q2 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $316M | $243M | $265M | 1.40% | 6.11% | 3.35% |
| Q2 2026 | $306M | $235M | $236M | 0.97% | 4.18% | 3.34% |
| Q1 2026 | $307M | $236M | $213M | 0.92% | 3.99% | 3.29% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $66.4M | $90.2M | -$23.8M | -26.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $235.7M | $213.2M | +$22.5M | +10.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $442K | $518K | -$76K | -14.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.0M | $2.6M | +$407K | +15.6% |
| Total assets | $305.6M | $306.5M | -$882K | -0.3% |
| Liabilities | ||||
| Total deposits | $234.7M | $236.0M | -$1.3M | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $977K | $1.5M | -$505K | -34.1% |
| Total liabilities | $235.7M | $237.5M | -$1.8M | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $67.7M | $67.5M | +$115K | +0.2% |
| Retained earnings | $2.2M | $1.5M | +$760K | +51.0% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $69.9M | $69.0M | +$875K | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $72.7M | $71.6M | +$1.2M | +1.6% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 22.76% | 23.07% | -0.31 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 78.20% | 77.30% | +0.90 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $133.1M | $129.8M | +$3.3M | +2.6% |
| Non-core funding | $101.6M | $106.2M | -$4.6M | -4.3% |
| Loans to core deposits | 179.20% | 166.20% | +13.00 pts | See points |
| Loans to deposits | 101.62% | 91.41% | +10.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 86.55% | 94.06% | -7.50 pts | See points |
| Volatile liabilities | $101.6M | $106.2M | -$4.6M | -4.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.3M | +112.2% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$137K | +12.2% |
| Provision for credit losses, year to date | $256K | $66K | +$190K | +287.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.51% | 6.47% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.63% | +0.05 pts | See points |
| Total interest income to average assets | 5.76% | 5.70% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | 0.00% | Not reported | See points |
| Cost of savings and money market deposits | 3.00% | 2.94% | +0.06 pts | See points |
| Cost of time deposits | 3.97% | 3.96% | +0.02 pts | See points |
| Total interest expense to average assets | 2.46% | 2.48% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $316M | $243M | $265M | 1.40% | 6.11% | 3.35% |
| 2026-06-30 | $306M | $235M | $236M | 0.97% | 4.18% | 3.34% |
| 2026-03-31 | $307M | $236M | $213M | 0.92% | 3.99% | 3.29% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $164.2M | 0.01% | 148 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.