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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Very Weak liquidity 0.4, driven by a liquidity ratio of 28.2 percent and a “hot money” ratio of 52.1 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Asset Mix:
Home mtgs (39%), cash (22%), comm re (20%), comm loans (9%), home eq lns (8%), other (1%)
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
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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
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Address
6201 Oak Canyon
Irvine, CA 92618
Irvine, CA 92618
Phone Number
(949) 892-1000
Year Founded
2022
FDIC Number
Website
Largest Affiliates
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