Total Assets
$875M
Total balance-sheet footings
FDIC Cert #58590 · Irvine, California · Est. 2007
Nano Banc - 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.
- $875M
- Total assets
- F
- Health grade · At Risk
- -7.04%
- Return on assets
- 8.8%
- Tier 1 capital
Data updated July 2026
The verdict
Nano Banc earns a PlainBankData health grade of F (18/100), with 8.81% Tier 1 capital, -7.04% ROA, 198% efficiency ratio.
- #1,179
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 8.81%
- Tier 1 ratio - below the 10% well-capitalized line
- 0th
- 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.
How Nano Banc's 18/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Nano Banc's composite health score
Tier 1 Capital Ratio (8.81%) 18/40
Return on Assets (ROA) (-7.04%) 0/25
Texas Ratio (203.17%) 0/20
Efficiency Ratio (197.87%) 0/15
18 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$733M
Customer-funded liabilities
Net Loans
$528M
Outstanding loan book
Net Income
$-65,689K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Nano Banc ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Nano Banc's score of 18/100 falls in the highlighted band.
Nano Banc'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). Nano Banc's $875M falls in the highlighted band.
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
8.81%
Texas Ratio
203.17%
Equity Capital
$51M
Profitability metrics
Return on Assets (ROA)
0th percentile nationally
-7.04%
Return on Equity (ROE)
-72.96%
Efficiency Ratio
197.87%
What the numbers say about Nano Banc
Nano Banc is an FDIC-insured institution (Certificate #58590) headquartered in Irvine, California, established in 2007. It holds $875M in total assets - 1,179th of 4,313 FDIC-insured banks, $733M in customer deposits, and $528M in net loans. Looking at capital strength, Tier 1 stands at 8.81%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 203.17%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of F (18/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within California, Nano Banc ranks 68th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$45M
Interest Income
$5M
Non-Interest Income
$68M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Nano Banc reports a Texas Ratio of 203.17% - in the danger zone above 100%, where troubled assets exceed the capital cushion.
Texas Ratio
Caution 50%
203.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Nano Banc
Nano Banc's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 203.17% sits in the danger zone above 100%, where troubled assets exceed the capital and reserves available to absorb them. The bank reported negative net income of $-65,689K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 8.81% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Nano Banc 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.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Nano Banc (FDIC Cert #58590) - 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.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
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, ranking 1,179th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at Nano Banc?▼
Yes, deposits at Nano Banc (Certificate #58590) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for Nano Banc?▼
Nano Banc has a Texas Ratio of 203.17%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Nano Banc's profile as a depositor or analyst.
- Nano Banc's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Nano Banc against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.