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Overview / Commentary
233 Sansome Street
San Francisco, CA 94104

Bank of the Orient is headquartered in San Francisco and is the 96th largest bank in the state of California. It is also the 1,473rd largest bank in the nation. It was established in 1971 and as of June of 2014, it had grown to 118 employees at 8 locations. Bank of the Orient has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of the Orient had $5.76 million in non-current loans and owned real-estate with $64.09 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Orient a Texas Ratio of 8.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of the Orient decreased dramatically from 23.30% as of June 30, 2013 to 8.98% as of June 30, 2014, resulting in a positive change of 61.45%.This indicates that the balance sheet and financial strength for Bank of the Orient has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of the Orient has decreased its total deposits by -$15.08 million, resulting in -3.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of the Orient has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of the Orient has $458.98 million in assets with $64.09 million in equity, resulting in a capitalization level of 13.96%, which is excellent.

Institution Statistics

FDIC Certificate #20387
Year Established1971
Primary RegulatorFED
Assets and Liabilities
Assets$458.98 million
Loans$323.37 million
Deposits$384.59 million
Equity Capital$53.34 million
Loan Loss Allowance$10.75 million
Unbacked Noncurrent Loans$5.76 million
Real Estate Owned$0
Historic Data - June 2013
Assets$466.48 million
Equity Capital$47.92 million
Loan Loss Allowance$18.30 million
Unbacked Noncurrent Loans$5.76 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.5%
Return on Equity-4.3%
Interest Income$8.59 million

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Bank of the Orient Locations
Maunakea Branch1016 Maunakea Street, M-1Honolulu, HI 96817
Chinatown Branch1023 Stockton StreetSan Francisco, CA 94108
Irving Street Branch2001 Irving StreetSan Francisco, CA 94118
Bank Of The Orient233 Sansome StreetSan Francisco, CA 94104
Sansome Street Branch233 Sansome Street, Third FloorSan Francisco, CA 94104
Manoa Branch2851 East Manoa RoadHonolulu, HI 96822
Clement and Sixth Branch317 6th AvenueSan Francisco, CA 94118
Oakland Branch360 Twelfth StreetOakland, CA 94607
Millbrae Branch500 Broadway AvenueMillbrae, CA 94030
Bishop Street Branch765 Bishop StreetHonolulu, HI 96813