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:
Weak liquidity 1.6, driven by a liquidity ratio of 20.6 percent and a “hot money” ratio of 3.0 percent. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (7.2).
Asset Mix:
Comm loans (36%), comm re (32%), cash (13%), consumer loans (11%), securities (4%), other (4%)
States with Branches:
CA, NV
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
Icon Bancorp
Investment Rating
--
Address
3390 University Avenue
Riverside, CA 92501
Riverside, CA 92501
Phone Number
(888) 383-1954
Year Founded
2023
FDIC Number
Website
Largest Affiliates
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