Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors:
Very Weak liquidity 0.3, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 42.8 percent. Good current capitalization (6.7 on a scale of 0 to 10) and a capital leverage ratio of 8.7.
Asset Mix:
Comm re (50%), cash (16%), comm loans (12%), home mtgs (6%), home eq lns (2%), securities (1%), other (13%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
--
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
--
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
100 Progress
Irvine, CA 92618
Irvine, CA 92618
Phone Number
(949) 704-1010
Year Founded
2023
FDIC Number
Website
Largest Affiliates
No affiliate information available.