Total Assets
$875M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Nano Banc — FDIC Bank Health Profile
Irvine, California · Est. 2007. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #58590 San Francisco Region
F
Health grade
At Risk
Score: 18/100
Basel III capital ratios — Nano Banc
Total Deposits
$733M
Customer-funded liabilities
Net Loans
$528M
Outstanding loan book
Net Income
$-65,689K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
8.81% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
8.81%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$51M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-7.04%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-72.96%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
197.87%
Income & Expense Breakdown
$45M
Interest Income
$5M
Non-Interest Income
$68M
Non-Interest Expense
FDIC Deposit Insurance
Nano Banc is FDIC-insured (Certificate #58590). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Nano Banc
Nano Banc is an FDIC-insured institution (Certificate #58590) headquartered in Irvine, California, established in 2007. The bank currently holds $875M in total assets and $733M in customer deposits, with $528M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Nano Banc reports a Tier 1 Capital Ratio of 8.81% — meeting the 6% "adequately capitalized" minimum but below the 10% "well-capitalized" benchmark and a Texas Ratio of —. Equity capital stands at $51M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -7.04% and a Return on Equity of -72.96%, with an Efficiency Ratio of 197.87% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (18/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Nano Banc is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in California by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Nano Banc (FDIC Cert #58590) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National Bank Los Angeles | $98.4B | C | 0.95% |
| East West Bank Pasadena | $79.7B | B | 1.72% |
| Banc of California Los Angeles | $34.7B | C | 0.78% |
| Axos Bank San Diego | $27.2B | B | 1.77% |
| Cathay Bank Los Angeles | $24.2B | B | 1.38% |
| Mechanics Bank Walnut Creek | $22.4B | B | 1.44% |
| Bank of Hope Los Angeles | $18.5B | C | 0.42% |
| Citizens Business Bank, National Association Ontario | $15.6B | B | 1.39% |
Frequently Asked Questions
What is Nano Banc's health grade? ▼
Nano Banc receives a health grade of F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Nano Banc? ▼
Nano Banc holds $875M in total assets and $733M in deposits. It is headquartered in Irvine, California.
Is my money safe at Nano Banc? ▼
Yes. Nano Banc is FDIC-insured (Certificate #58590). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Nano Banc's Tier 1 Capital Ratio? ▼
Nano Banc has a Tier 1 Capital Ratio of 8.81%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
How efficient is Nano Banc? ▼
Nano Banc has an Efficiency Ratio of 197.87%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.