Bank of the Orient: how it compares with its peers
Against 34 CA banks with half to twice its assets, Bank of the Orient's strongest measure in Q2 2026 is assets per employee ($11.4M vs. a $9.9M peer median). Its weakest relative measure is return on assets (0.76% vs. 1.09%).
| Measure | Bank of the Orient | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.76% | 1.09% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.51% | 3.80% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.10% | 60.43% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.4M | $9.9M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.96% | 89.41% | Context |
What it means for lending operations
Its efficiency ratio of 67.10% is above the 60.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Provident Savings Bank, F.S.B. Riverside, CA · $1.21B
- Pacific Coast Bankers' Bank Walnut Creek, CA · $1.21B
- Commerce West Bank Irvine, CA · $1.20B
- First General Bank Rowland Heights, CA · $1.17B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
- EverTrust Bank City Of Industry, CA · $1.13B
Questions about Bank of the Orient
How big is Bank of the Orient?
Bank of the Orient, established in 1971, is headquartered in San Francisco, CA. It reported $1.21B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Bank of the Orient's return on assets?
0.76% annualized in Q2 2026, against a 1.09% median for 34 CA banks with half to twice its assets, ahead of 24% of them.
What is Bank of the Orient's efficiency ratio?
67.10% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 60.43%, and lower is better.
Is Bank of the Orient growing its loans?
Net loans grew 19.2% over the year to Q2 2026, while deposits grew 21.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.