FDIC Cert #26610 · Los Angeles, California · Est. 1986

Bank of Hope - FDIC Bank Health Profile

A community-scale look at Bank of Hope's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$18.5B
Total assets
B
Health grade · Good
0.42%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Hope earns a PlainBankData health grade of B (66/100), with well-capitalized at 12.82% Tier 1, 0.42% ROA, 69% efficiency ratio.

#110
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
12.82%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 26610 · CA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3320/4307
  • PHOTO-FINISH Dedicated Community… · SC
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-THIN 0.42% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Dedicated Community Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Hope

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Hope · CA · this bank66/100Dedicated Community… · SC · …66/100Needham Bank · MA · near66/100PNB Community Bank · FL · ne…66/100StonehamBank, A Co-… · MA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Hope · July 2026

Call Report read for Bank of Hope in a high-failure state

Bank of Hope (FDIC Cert #26610) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,320 of 4,307. Tier 1 capital prints at 12.82%, clearing the 10% well-capitalized line. The Texas Ratio is 6.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.42%. Balance-sheet scale is $18.5B, 110th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dedicated Community Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Hope

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Bank of Hope sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Bank of Hope's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Bank of Hope's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Bank of Hope's composite health score
Tier 1 Capital Ratio (12.82%) 35/40
Return on Assets (ROA) (0.42%) 7/25
Texas Ratio (6.00%) 16/20
Efficiency Ratio (69.20%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$18.5B

Total balance-sheet footings

Total Deposits

$15.6B

Customer-funded liabilities

Net Loans

$14.6B

Outstanding loan book

Net Income

$76M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.42% 12.82% 14.22%
Basel III capital ratios - Bank of Hope

Where Bank of Hope ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Hope's score of 66/100 falls in the highlighted band.

Bank of Hope: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Hope 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Hope's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Hope's $18.5B falls in the highlighted band.

Capital & credit buffers at Bank of Hope

Tier 1 capital ratio
Well-capitalized 10%

12.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.82%
Texas Ratio
6.00%
Equity Capital
$2.4B

What these ratios mean →

Profitability metrics: Bank of Hope

Return on Assets (ROA)
13th percentile nationally
0.42%
Return on Equity (ROE)
3.30%
Efficiency Ratio
69.20%

What these mean →

Income & expense at Bank of Hope

$942M
Interest Income
$60M
Non-Interest Income
$379M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Hope reports a Texas Ratio of 6.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Hope on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Bank of Hope by assets

Bank of Hope is closely matched in total assets by Trustmark Bank, Busey Bank, First Merchants Bank, FirstBank Puerto Rico across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.18%, versus Bank of Hope's own 0.42%; the average efficiency ratio is 55.92%, versus 69.20% here; and average Tier 1 capital sits at 12.81%, versus 12.82% at Bank of Hope. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $18.5B in assets, Bank of Hope has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Bank of Hope nationally by total assets
  1. 1
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  2. 2
    Busey Bank $18.1B

    Champaign, IL · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    FirstBank Puerto Rico $19.1B

    Santurce, PR · Grade A

  5. 5
    Apple Bank $19.2B

    New York, NY · Grade C

  6. 6
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Bank of Hope (this bank) CA $18.5B 0.42% 69.20% 12.82%
Trustmark Bank MS $18.9B 1.26% 62.79% 12.33%
Busey Bank IL $18.1B 0.92% 57.43% 13.97%
First Merchants Bank IN $19.0B 1.27% 54.97% 11.86%
FirstBank Puerto Rico PR $19.1B 1.69% 49.71% 15.60%
Apple Bank NY $19.2B 0.34% 78.94% 11.30%
ServisFirst Bank AL $17.7B 1.58% 31.70% 11.83%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($18.5B here), outside California so the neighborhood is not state containment.

Trustmark Bank $18.9B · MS Busey Bank $18.1B · IL First Merchants Bank $19.0B · IN FirstBank Puerto Rico $19.1B · PR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Hope (FDIC Cert #26610) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Hope Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%