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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Santa Ana, CA · FDIC certificate #59098
INFINITY BANK is an FDIC-insured institution based in Santa Ana, CA (FDIC certificate #59098). In its Q3 2026 Call Report it reported total assets of $381M, total deposits of $331M and net loans of $257M. Its primary federal regulator is FDIC.
Plain-language readout
INFINITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $393M in Q1 2026 and were lowest at $360M in Q2 2026.
Total deposits were highest at $344M in Q1 2026 and lowest at $310M in Q2 2026.
Over the whole period total assets fell 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $381M | $331M | $257M | 1.48% | 12.80% | 5.43% |
| Q2 2026 | $360M | $310M | $251M | 1.48% | 12.79% | 5.40% |
| Q1 2026 | $393M | $344M | $220M | 1.40% | 12.34% | 5.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $78.8M | $141.9M | -$63.1M | -44.5% |
| 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) | $23.7M | $25.5M | -$1.8M | -6.9% |
| 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) | $251.3M | $220.1M | +$31.2M | +14.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$59K | -5.2% |
| 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 | $4.6M | $4.3M | +$298K | +6.9% |
| Total assets | $359.5M | $392.9M | -$33.4M | -8.5% |
| Liabilities | ||||
| Total deposits | $310.5M | $343.7M | -$33.2M | -9.7% |
| 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 | $1.0M | $1.1M | -$62K | -5.8% |
| Subordinated notes and debentures | $4.0M | $4.0M | +$5K | +0.1% |
| All other liabilities | $992K | $1.1M | -$121K | -10.9% |
| Total liabilities | $316.5M | $349.8M | -$33.4M | -9.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $35.2M | $35.2M | +$14K | +0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $9.3M | $9.4M | -$81K | -0.9% |
| Accumulated other comprehensive income | -$1.5M | -$1.6M | +$45K | +2.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.0M | $43.1M | -$22K | -0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.4M | -$4K | -0.2% |
| Adjusted nonperforming assets | $2.4M | $2.4M | -$4K | -0.2% |
| Tangible equity plus allowance | $46.9M | $46.7M | +$183K | +0.4% |
| Texas ratio (gross) | 5.19% | 5.21% | -0.03 pts | See points |
| Texas ratio (adjusted) | 5.19% | 5.21% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.19% | 5.21% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.31% | 16.67% | -1.36 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.31% | 16.67% | -1.36 pts | See points |
| Tier 2 capital to risk-weighted assets | 2.62% | 2.74% | -0.12 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.94% | 19.42% | -1.48 pts | See points |
| Tier 1 leverage (approximate) | 13.03% | 12.67% | +0.36 pts | See points |
| Construction and land loans to total capital | 81.52% | 75.01% | +6.51 pts | See points |
| Commercial real estate to total capital | 113.29% | 103.66% | +9.63 pts | See points |
| Dividend payout, year to date | 73.18% | 38.05% | +35.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.86% | -4.99% | +0.14 pts | See points |
| Liquidity | ||||
| Core deposits | $300.5M | $343.7M | -$43.2M | -12.6% |
| Non-core funding | $15.0M | $5.1M | +$9.9M | +196.3% |
| Loans to core deposits | 84.92% | 65.10% | +19.82 pts | See points |
| Loans to deposits | 82.18% | 65.10% | +17.09 pts | See points |
| Brokered deposits share of deposits | 3.22% | 0.00% | +3.22 pts | See points |
| Pledged securities share of securities | 100.00% | 100.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $15.0M | $5.1M | +$9.9M | +196.3% |
| Earnings | ||||
| Earnings before provision, year to date | $4.3M | $2.1M | +$2.2M | +101.5% |
| Earnings before provision, single quarter | $2.2M | $2.1M | +$32K | +1.5% |
| Provision for credit losses, year to date | $409K | $264K | +$145K | +54.9% |
| Yield and cost | ||||
| Yield on loans and leases | 8.32% | 8.47% | -0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.65% | +0.03 pts | See points |
| Total interest income to average assets | 6.78% | 6.58% | +0.20 pts | See points |
| Cost of interest-bearing transaction accounts | 2.36% | 2.00% | +0.35 pts | See points |
| Cost of savings and money market deposits | 2.79% | 2.90% | -0.11 pts | See points |
| Cost of time deposits | 3.94% | 8.00% | -4.06 pts | See points |
| Total interest expense to average assets | 1.10% | 1.11% | -0.01 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 | $381M | $331M | $257M | 1.48% | 12.80% | 5.43% |
| 2026-06-30 | $360M | $310M | $251M | 1.48% | 12.79% | 5.40% |
| 2026-03-31 | $393M | $344M | $220M | 1.40% | 12.34% | 5.30% |
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 | $291.6M | 0.02% | 129 | 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.