FDIC Cert #59314 · Riverside, California · Est. 2023

Icon Business Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$147M
Total assets
D
Health grade · Weak
-3.12%
Return on assets
8.1%
Tier 1 capital

Data updated July 2026

The verdict

Icon Business Bank earns a PlainBankData health grade of D (38/100), with 8.10% Tier 1 capital, -3.12% ROA, 154% efficiency ratio.

#3,377
largest of 4,313 FDIC banks by assets
22nd
percentile by asset size, nationally
8.10%
Tier 1 ratio - below the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 59314 · CA D · 38/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (38/100)
  • BOTTOM-DECILE #4255/4307
  • PHOTO-FINISH Gainey Business Bank · AZ
  • TIER1-ADEQ 8.1% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-LOSS -3.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Gainey Business Bank, AZ (±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 Icon Business Bank

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

Morgan Stanley Bank,… · UT ·…100/100Fieldpoint Private B… · CT ·…38/100Gainey Business Bank · AZ · …38/100Icon Business Bank · CA · th…38/100Monroe Federal Savin… · OH ·…38/100New Valley Bank & Tr… · MA ·…38/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Icon Business Bank · July 2026

Call Report read for Icon Business Bank in a high-failure state

Icon Business Bank (FDIC Cert #59314) carries a PlainBankData health grade of D at 38/100, 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 #4,255 of 4,307. Tier 1 capital prints at 8.10%, missing the 10% well-capitalized line. The Texas Ratio is 0.98%, inside the sub-50% band analysts treat as healthy. Return on assets is -3.12%. Balance-sheet scale is $147M, 3,377th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gainey Business Bank (AZ), 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 Icon Business Bank

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

Icon Business Bank 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 Icon Business Bank'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 Icon Business Bank's 38/100 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 avg77/10038/100
Icon Business Bank's composite health score
Tier 1 Capital Ratio (8.10%) 18/40
Return on Assets (ROA) (-3.12%) 0/25
Texas Ratio (0.98%) 20/20
Efficiency Ratio (154.39%) 0/15

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

Balance sheet at a glance

Total Assets

$147M

Total balance-sheet footings

Total Deposits

$126M

Customer-funded liabilities

Net Loans

$117M

Outstanding loan book

Net Income

$-4,266K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 6.7% 8.1% 9.5%
Basel III capital ratios - Icon Business Bank

Where Icon Business Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Icon Business Bank's score of 38/100 falls in the highlighted band.

Icon Business Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

38 1st percentile higher than 1% 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%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Icon Business Bank 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

Icon Business Bank'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). Icon Business Bank's $147M falls in the highlighted band.

Capital & credit buffers at Icon Business Bank

Tier 1 capital ratio
Well-capitalized 10%

8.10% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
8.10%
Texas Ratio
0.98%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: Icon Business Bank

Return on Assets (ROA)
1st percentile nationally
-3.12%
Return on Equity (ROE)
-30.51%
Efficiency Ratio
154.39%

What these mean →

Income & expense: loss period at Icon Business Bank

$9M
Interest Income
$603K
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Icon Business Bank reports a Texas Ratio of 0.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Icon Business Bank

Icon Business Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-4,266K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 8.10% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Icon Business Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Icon Business Bank 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.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($147M here), outside California so the neighborhood is not state containment.

The Sacramento Deposit Bank $147M · KY First State Bank of Roscoe $147M · SD Valley Premier Bank $147M · MN Marion State Bank $147M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Icon Business Bank (FDIC Cert #59314) - 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.

Icon Business Bank 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%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%