# BANK OF THE ORIENT
SAN FRANCISCO, CA · FDIC certificate 20387 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.21B | |
| Deposits | $1.05B | |
| Loans and leases | $990.7M | |
| Total equity | $137.4M | |
| Loans / deposits | 92.96% (p68 of band) | 87.10% |
| Liquid assets / assets | 15.85% (p26 of band) | |
| Uninsured deposits / deposits | 18.48% (p15 of band) | 30.76% |
| Brokered deposits | 2.06% | |
| Wholesale funding | 2.06% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p72 of band) | 10.50% |
| Unrealized securities loss / equity | -2.68% (p76 of band) | -7.75% |
| AOCI / equity | 0.12% (p85 of band) | |
| ROA (annualized) | 0.76% (p17 of band) | 1.26% |
| Net interest margin | 3.51% (p37 of band) | 3.70% |
| Efficiency ratio | 67.10% (p73 of band) | |
| Noncurrent loans | 2.16% (p93 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 64.04% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 38.64% (p41 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $591,000 (0% of equity) (p74 of band) | |
| Deposits YoY | 21.5% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 4 |  | losing money |
| 2012-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking | leverage <7%, noncurrent p90 |
| 2012-09 | 3 |  | reserve under noncurrent, charge-offs p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | noncurrent p90 |  |
| 2013-09 | 4 | losing money | noncurrent p90 |
| 2013-12 | 4 | uninsured deposits leaving | losing money |
| 2014-03 | 3 | losing money, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling | losing money |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | expense ratio p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | loans exceed deposits |  |
| 2019-06 | 2 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2019-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2019-12 | 3 | losing money | reserve under noncurrent |
| 2020-03 | 1 |  | charge-offs p90, losing money |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | charge-offs p90, deposits shrinking |  |
| 2021-09 | 0 |  | charge-offs p90, deposits shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | deposits shrinking, assets shrinking |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | uninsured deposits leaving |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-08 [Monthly Bulletin – February 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwQzB0aFBfNTcxdXh6YVlpT3lnbXdZbk8wRUtTM3daakN3UEhiU0JxOFBQQlA5WVZJV3RsSVU1OTZNVUtpck05a0VkTDh2VTdzNjAwVV9EUEhrVXUwRnFuZU51cUc4SVdTcXRaWDJtVjFjRk83bExqNy1OY1B2ajA?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2021-02-22 [Bank of the Orient (CA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxNLXVSUFVZQkhxOWxTVXBZSkEtdVR5S3R6dmFzNXIxRXZJQzNYelRWcldFa0xlcHJ1MkYzY2s0cURsZVd1bkNXVzBJQnd5NHhHcG9xdndWcFVmWnRqTDZDeF9hbkhRR1FjQnFiRk9hWS1FajQwTmZpY3diYkdsTG1uOVl6RE1PZw?oc=5) · SmartAsset
- 2015-07-09 [Bank of the Orient takes community banking global - South China Morning Post](https://news.google.com/rss/articles/CBMitwFBVV95cUxPcEJnandldjVKMGFxRFBRRXgydi1iRklOdmhOU1RCSjE5T2lkWnVWckdpbDFYVmREbktseUZFcUxENnFnUk1yNVBSaVZBWFNKVHc0cTNObThUcDduRUhGN2gzb2EyVlZxOW13cXp2a0hOOWRvaENQTzZRU0huU3VpVmpqOTVvYnNuYS1SdEJNTGwwLXM2ZlNZMFNORkxLWFdYV0tYMmRESmRkYnZHUGJveDhNUmt3VkE?oc=5) · South China Morning Post
- 2026-07-13 [Royal Business Bank Announces New Lending Team and Loan Production Office in Northern California - GlobeNewswire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOSW9FbW02UmxkM3FoMXItdWVhRVcwdDJFR0Y0TkRLOW9sdGVFbEczUGkwc1dCRlY3S2pVUThfam52X2wxWU5pZHpTS2JJdVpOeGpqMEFtNUJQU1F3dGR2YnhvNkx1OE82ODV1anVyQzlFUVU0WWU5di1GV1ZWZ3Y0U1hiVkpXU0xBcm5qVmo0aFFfb1BFcEVqV2RvUjVLeWJCRXlQTnRpajU3aUJoaTRtWEJ5UlRoZ2JLaXFzdWg1VG1fcXU5NmVxb1lPdDhaUmx4QkxscDhSckZqZElxMVp6eTJFdjZCaWFlWUg1X1EzNXBORHVIdDFFY3QwUmU?oc=5) · GlobeNewswire
- 2021-10-06 [Mark McDonald Obituary (1951 - 2016) - Walnut Creek, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbDFSVXNYZ1BtUlhPVG5kM1RfLU9ja0ltdzcwWjdUZ3QwRVJ3WnN1bTRmQ1o4a3JISmFlTDlNNk9XQ25xOERwOUd2N1UzZVh0ZFVwMGtIdVlVR215TzZZeWN2RkpBVUpsWkxIOENMUXhOcnVnSlROeldYNDM1LV90TlM0ZXFzNThWa280?oc=5) · legacy.com
- 2016-01-21 [Eduardo Mendoza Obituary (1936 - 2016) - Park Pacifica, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQUMwdDgzWk4tSjdzazdhTHdRdmtEbXNrbkVKcUNsYnpQVXdBSm1iQWRTT213a1RRaXU2T29DR21QRmh1VWl0WnlxTlpnNlJpcnZic2FtdGhFVW0zZm5mbXdJd1htcU1rUk9OWF9ETFpxSUlFZDdYVFNnZmtUekd2LWhVZ3ZhUUU3QThwQnBR?oc=5) · legacy.com
- 2021-10-07 [Patricia Theophilos Obituary (1948 - 2017) - Piedmont, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORElEdzRFV0tncmdtMU1TeEt1UEJIQmZ1dlZ0RU0yRWNzZTdkM3dEZGZVMHZ4NVNEMGNrZG1NY196dHJrVE00ckJVdHRRWG82YldyNHN0ak1UdnV0MzhETVJSVmw3a2V4OXlKVVVTaUdFd21abTVuZTFmMjN3ckJoWmtFeFA3Vmx0blVGRE9LOHRBSUE?oc=5) · legacy.com
- 2017-09-11 [Companies Founded in California - ranker.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE04cHRoUzNFQlhMVTN3Nkxtem9XZW5CR1BoTHlhZmNTVHlEY3EzMDZqS3NhaXZ1cHp3UklJbjhEX3E5Y2MwR1FRcVUyN0NSR21tNnIxZFFDX0VKcE5mcEFUMGkyRVpuRTBaX1JQRXJRbmF4bXk1RGRMZg?oc=5) · ranker.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20387 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "20387", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide