Bank Irvine: how it compares with its peers
Against 33 CA banks with half to twice its assets, Bank Irvine's strongest measure in Q2 2026 is assets per employee ($11.8M vs. a $7.8M peer median). Its weakest relative measure is net interest margin (3.34% vs. 3.89%).
| Measure | Bank Irvine | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 0.65% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 3.89% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.97% | 76.80% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.8M | $7.8M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.42% | 95.94% | Context |
What it means for lending operations
Its efficiency ratio of 52.97% is better than the 76.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Monterey County Bank Monterey, CA · $300M
- Gateway Bank, F.S.B. Oakland, CA · $288M
- Mission National Bank San Francisco, CA · $276M
- Genesis Bank Newport Beach, CA · $340M
- Capital Bank and Trust Company Irvine, CA · $266M
- Summit Bank Oakland, CA · $264M
Questions about Bank Irvine
How big is Bank Irvine?
Bank Irvine, established in 2022, is headquartered in Irvine, CA. It reported $306M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank Irvine's return on assets?
0.97% annualized in Q2 2026, against a 0.65% median for 33 CA banks with half to twice its assets, ahead of 61% of them.
What is Bank Irvine's efficiency ratio?
52.97% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 76.80%, and lower is better.
Is Bank Irvine growing its loans?
Net loans grew 26.5% over the year to Q2 2026, while deposits grew 42.9%.
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.