# BANK OF HOPE
LOS ANGELES, CA · FDIC certificate 26610 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $18.99B | |
| Deposits | $15.92B | |
| Loans and leases | $15.03B | |
| Total equity | $2.36B | |
| Loans / deposits | 93.48% (p78 of band) | 85.78% |
| Liquid assets / assets | 14.92% (p13 of band) | |
| Uninsured deposits / deposits | 40.33% (p58 of band) | 38.39% |
| Brokered deposits | 4.73% | |
| Wholesale funding | 7.21% (p50 of band) | |
| FHLB advances / assets | 2.49% | |
| Tier 1 leverage | 10.82% (p70 of band) | 10.17% |
| Unrealized securities loss / equity | -9.36% (p39 of band) | -7.43% |
| AOCI / equity | -0.31% (p52 of band) | |
| ROA (annualized) | 0.74% (p15 of band) | 1.24% |
| Net interest margin | 2.98% (p24 of band) | 3.57% |
| Efficiency ratio | 63.42% (p81 of band) | |
| Noncurrent loans | 0.88% (p67 of band) | 0.66% |
| Net charge-offs (annualized) | 0.21% (p79 of band) | |
| Reserve coverage of noncurrent | 115.54% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 9.06% (p24 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $776.4M (33% of equity) (p76 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 1433 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2013-12 | 2 | capital falling | uninsured deposits >50%, run vulnerability |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | uninsured deposits leaving | capital falling |
| 2014-12 | 3 | uninsured deposits >50%, run vulnerability | uninsured deposits leaving |
| 2015-03 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 2 | uninsured deposits >50%, run vulnerability | reserve under noncurrent, loans exceed deposits |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 0 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2016-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2018-03 | 3 | reserve under noncurrent | loans exceed deposits, capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 6 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2019-03 | 5 |  | capital falling |
| 2019-06 | 3 |  | brokered >10%, wholesale funding >15% |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | brokered >10%, wholesale funding >15%, capital falling | reserve under noncurrent |
| 2020-06 | 3 |  | run vulnerability, wholesale funding >15% |
| 2020-09 | 3 | run vulnerability | brokered >10% |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | capital falling, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-03 | 4 | brokered >10%, wholesale funding >15% |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | capital falling, brokered >10% |
| 2023-12 | 2 | deposits shrinking | uninsured deposits leaving |
| 2024-03 | 2 | assets shrinking | wholesale funding >15% |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | expense ratio p90 | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 1 | capital falling |  |

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

- 2026-09-02 [Bank of Hope Receives Regulatory Approvals to Acquire the Commercial Banking Unit of SMBC MANUBANK - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNemdxdnNUZEFfaktFX2hmUmkzSDBVSUpMTFI5YUliWEtwWmNqZHZoc1pXYzBXX3ROM3oxcHJmWk1pNXR0ajZqWDRlbTFYa0xhd1E0VFhWLVhHY0hUenZKQzhYNEtYVkgwc3NQQVlxc1FOQWtYS1F2c3J5TkRIclpWMGJ6ekFRbkV5UTJnOUdJbnpyaE1Vb2JEdjd3S3VyU2YxZnN5WUZPQUdYaHB2RGhsdXFZd2VWSmdHQ0h5cW8tRlhFMDc5NS1IN1k0c3oxRmpxelkzTFBLdE9uNm55RXg5ZllxUl9pSDNXR2E4?oc=5) · Business Wire
- 2026-04-01 [Bank of Hope to buy SMBC commercial unit - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV3JMTFRVamNabDd4eGdtUEtJWWxvQlN3RnY1S2hsRGpZSGIzclo5TVZrM0JWakxlYTZiRUp3WUVLRUdUZTRrUGdpRVlPbTlucHBFT3AwVXNmd3dDcHlRMnp4cWJpTlAzb2psenJIWEZJcjlLRVpDaF9weUpQa3NFakNGcjk0SDNE?oc=5) · Banking Dive
- 2026-04-20 [Bank of Hope Lands Deal - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5rQ2FFbjF0MGlXSXZQZHpuSFJlbXZNT1o2VHZQZ3gzbVhKOWRVbTJjaDctaHQ2bklxbHQtb0FNeFZPcl9XR3JTTFBMd0gyRE01cFVjS3Nlc0M3TGZaUFZRZ3N4bndFSW9Vc3ExSGZ1UQ?oc=5) · Los Angeles Business Journal
- 2026-07-28 [Bank of Hope Launches K-pop Culture Inspired Campaign Encompassing Sponsorship to Increase Brand Visibility, Strengthen Customer Connections - Nasdaq](https://news.google.com/rss/articles/CBMivgFBVV95cUxONFB6Z3M0U3JTN1c0Q0hCZWs5UFNLeVdjc1ZuSUV3R01VanQwZHMwUUpZTmhKNlhYQ2R3OVJxbHNEekRiZTQwbmdDa1JRdUF2eWd6M2IyNlhVZ0FUdGQ0Q3hvQm1MN2F1dkZDU3JMOTJwZmlQdDl1WHN4bW55MzJPbDZmbVhKNWJYX2JlYzRBSmRfd3NYa2hxNjhyRzZ6TTBRU05vYUJFODFCSl9BVmp3Wmd6STZ1dkxTS1VlUW1R?oc=5) · Nasdaq
- 2026-04-03 [Territorial Savings parent to acquire SMBC Manubank's commercial unit in L.A. - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOUUtKZGpqcEVLajdfQUh0eWt3NFdmWUdjTExnVTFEZmlTMjZYYS1ucTV6NWhYc3RIc0JpRXVoeWN0Y3RvVmNSRGpfSW1hWXRzcXFuQUxuYnIxLTZYb2xxYTRQb0JKNk9ZeW84SFVRd3BxN0U3dVhJN0JHMjhOSWd2eEMtelVja2ZZaFZiRXgzcDNET0hobVBmb0o5ZTdaeGsxb0FUN1dtRDlCLUE?oc=5) · The Business Journals
- 2026-03-18 [Aon Center Secures ±50k RSF Lease with Bank of Hope, a Major Tenant Relocation into Downtown Los Angeles - Colliers](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdERPMnZuY3FIcFNFQ0lFd0l4OFMwOFc2azFQWmdDcmUydm1UX3hZY2R2ekFvLUxneXF6bXI2VzJNMXhSV1J6LThSYldWUFBoLTF4YXdXUzBxUGp3eHBNRlR4NXNOdUdhUlVab2JONWdaNzVyOTN3R3M4MDJpc3QzWHltQmdMcTJRRklnZlNfYkhndi1mRlE1SVh6aw?oc=5) · Colliers
- 2026-03-19 [Bank of Hope bets on DTLA with 50K sf HQ move - The Real Deal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMEZVbmU4UDB5clgwVUFkMldJQzdMOHRnUXdmZzFxQTE4dmlSRXlSSW54UjliU3BLc1lnT2pJbW10N2ZCTjZEcnNLR0otMzBhYmc1TTRIZUk5TjFqM3IyMDNvb2RBRUxyYXBmeVdSdVp2ODlRZUctSEFFWExlUWE1cm10UDhIbTNCRjZndWEyMXNVaDRaeUE?oc=5) · The Real Deal
- 2026-04-01 [LA bank to buy US commercial banking unit from Japan's SMBC - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxOX1BsNElpTlB5NndsWjB1V3VsRkdjaVNHUlZKNFFvVzdnX1gzQ0FKOE9sbEV2enl4Mm5rcE9odHZxSlpfcW1sTUVIOE4wMEZWUlBFckRpSWcwZUctc1lTUjhXMWJ3YlRwcXNfVEE5SlNMYV81X2FQNDRlcnRVRV9VbHhfVS1IU3ktc2VjOXRONGlyeHJsOVRpd1dCeWw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26610 (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/50.json (key "26610", 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