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19900 MacArthur Blvd
Irvine, CA 92612

Opus Bank is a California-based bank that offers personal and business banking, treasury management, income property banking, and home loans. In keeping with its community-driven focus, the bank publicly announces capital funding amounts it intends to allocate to businesses in the region.

Opus Bank’s personal banking products give consumers a way to save and are offered in the form of checking, savings, money market, and CD accounts. Personal credit cards are also available to help facilitate credit building and cash back rewards. Checking account options come with a monthly service charge, which can be avoided by fulfilling certain account requirements. Opus Bank savings and money market accounts function in much the same way, offering increased levels of interest based on how much is in a given account. Certificates of deposit (CDs) are fixed rate accounts and available in term lengths from 1 to 60 months. The bank also features retirement, health, and education savings accounts that provide more customized set of features for qualifying customers.

Opus Bank online banking provides a web-based platform for customers to view their account activity, make transfers between Opus Bank accounts, pay bills, and set various alerts. Mobile banking apps are also available and make it easy and convenient for customers to manage their accounts via smartphones while on the run. Opus Bank is part of a network of tens of thousands of ATMs that provide account holders with fee free access to their funds.

Opus Bank was initially organized as the Peninsula National Bank in 1993. It changed its institution name with the FDIC to an insured commercial bank in 2010, before moving its headquarters to Irvine, California, just outside of Los Angeles, in 2011. The bank serves its customers through multiple branches located in and around the Los Angeles area.

Online Banking

I was with Cascade Bank in WA which was bought by Opus.  I have Checking, Savings, and mortgage there.  No real complaints until they "updated" the online banking.  Now there is no record of my account transactions before the 15th of June, so I can't tell what has been deposited (I work 4 different jobs).  The one deposit they do show is for the wrong amount (124.00 instead of 124.75).  I know, it's not much, but it shakes my confidence.  When I tried their phone number, no matter which menu item I picked it just routed me back to the main menu.  If I could move my mortgage somewhere else I would, but terms of contract says I have to have an account at Cascade.  Now I'm worried I'll get hit with monthly fees like others have mentioned. 

Terrible Bank!

We, too, banked at Fullerton Community Bank, which was bought out by Opus. They were quick to assure everyone that there would be no changes. We've seen nothing but changes and none of them seem to be for the better. Free checking is now $9-15/month depending on your account. We have both personal, business, and my daughter's Daisy/Brownie Girl Scout troop account there. They now even charge the troop account, which is non-profit. We keep the most miniscule balance in there, but it doesn't matter: $10 each month! In the past 2 days, we've had our Visa debit/credit cards shut off twice due to Visa security breaches within their system (one of the times being the *new* card they just sent for a previous system-wide breach). I have no idea how many other people have had this happen. My husband was at the gas station in desperate need of gas and the card didn't work. After 20 minutes on the phone, they said it would be another 7-10 days for a card and 3-5 days after that for a PIN number. I detest this bank. I'd rather go to a big, bad bank like Chase or Bank of America. Even they can't be as bad as Opus!

No More Opus Bank For Me

I am a Fullerton Community bank customer that was very happy with my totally free checking account.  I loved the level of service and that it was a small community bank.  It was bought by Opus.  My totally free checking account now costs 9 dollars a month not to mention all the other fees.  They now deduct the maximum amount they can from my acct when getting gas and they don't clear the hold for 72 hours even though the real charge has been recorded.  I called my local branch's  phone number only to be routed to a customer service line located in Washington state.  While the CSA was professional she claimed the hold was the fault of the gas station.  Hmmmm I don't think so since I have been getting gas there for 5 years and this is the first time there has ever been a hold on 126.00.  I can not afford a $126 72 hour hold every time I pump gas.  I guess it is time to find a new bank.


opus took over cascade bank in Washington. they are financed by folks that cleaned up in the mortgage mess and sold out before the collapse that the banks and mortgage people caused.

they pumped everyone up with community banking rhetoric etc, and how they were going keep people working etc. most of the employees begged the stockholders to approve the deal, only to be fired after it was approved. as a customer, i only know a few people left at the bank overall. many people complain through the internet regarding their systems and their implementation, i will agree, they are horrible and incompetent. i have so many stories, it is hard to believe they could have so many inconsiderate decisions. the employees are so tired of apologizing for management decisions, they just say nothing and shake their heads. they are so very tired of complaints in every area of the company. they do everything the cheapest and lowest quality they can. they implemented 2 changes in the online banking system that was so poorly done, it is hard to explain here the total incompetence in decision making and how it effected thousands.

a friend of mine has a loan with them. there is a lot to this story, and if you heard it all you would be even more upset than most of the people are in the community that it took place in, where they have a branch.

she has had her loan for 7 years and it was expiring with cascade then opus. single mother, self employed, never missed a payment in 7 years! never been late! they are foreclosing on her. you think there is more to this story? lots, but not in opus's favor. she was told, wait til opus takes over, things will be better, you will get a good loan. her appraisal was good, her history was good, and they told her to find another bank, they didn't want to finance her type of building or use. it was crazy ! an existing loan in good standing until she could not get an answer from anyone regarding renewal. dozens of calls made. they are now foreclosing on her when they could have extended it for 5 or ten years at the going rate, and if she defaulted, foreclose then, but they would not even give an existing great hardworking customer a chance. a customer that works their tail off, a good community person. YOU CALL THAT COMMUNITY BANKING? i surely don't. i walked into that local branch and one of the opus employees told me the entire true story, and tears came to her eyes, she then said, "is that community banking" i think not. she also is not there anymore.

it is so sad our country has come to this, most of our community banks taking the fall for the big boys and loan sharks in sheep's clothing.

it isn't taking very long for everyone to see who opus really is, wherever they do business. look at the reviews.

please consider the type of people you are dealing with. this is just one of 100s of valid stories. 

call any Realtor in snohomish washington, and they can tell you the name of the person and property i am talking about, if you want it from the "horses mouth".

they are what we are becoming as a country, so sad. 




Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Opus Bank had $21.26 million in non-current loans and owned real-estate with $686.27 million in equity and loan loss allowances on hand to cover it. This gives Opus Bank a Texas Ratio of 3.10% 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 Opus Bank decreased dramatically from 9.63% as of December 31, 2012 to 3.10% as of December 31, 2013, resulting in a positive change of 67.83%.This indicates that the balance sheet and financial strength for Opus Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Opus Bank has increased its total deposits by $743.61 million, resulting in 37.09% 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 Opus Bank has shown is excellent.



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. Opus Bank has $3.74 billion in assets with $686.27 million in equity, resulting in a capitalization level of 18.35%, which is excellent.

Institution Statistics

FDIC Certificate #33806
Year Established1993
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.74 billion
Loans$2.83 billion
Deposits$2.75 billion
Equity Capital$668.83 million
Loan Loss Allowance$17.44 million
Unbacked Noncurrent Loans$9.81 million
Real Estate Owned$11.44 million
Historic Data - December 2012
Assets$2.86 billion
Equity Capital$527.32 million
Loan Loss Allowance$17.58 million
Unbacked Noncurrent Loans$9.81 million
Real Estate Owned$6.74 million
Profit Margin - Quarterly
Net Interest Margin4.75%
Return on Assets4.4%
Return on Equity24.27%
Interest Income$145.85 million

Always verify rates and promotions with the bank or credit union. We are not Opus Bank, we are a rate comparison website and can not provide official rates or promotions.

Opus Bank Savings Account Rates

0.15%$10k-Health Savings Account
0.10%--Personal Savings
0.10%--Business Savings

Opus Bank Money Market Rates

0.50%$250k-Aria Personal Money Market Special
0.40%$1m-Aria Business Money Market Special

Opus Bank Checking Account Rates

0.15%$100k-Business Interest Checking
0.15%$100k-Personal Interest Checking

Opus Bank CD Rates

1.40%$10k-60 Month CD
1.05%$10k-48 Month CD
1.00%$10k-36 Month CD
0.70%$10k-24 Month CD
0.65%$100k-15 Month BUMP CD Special
0.55%$10k-12 Month CD
0.40%$10k-6 Month CD
0.20%$1k-3 Month CD
0.10%$1k-1 Month CD

Opus Bank IRA Rates

1.40%$10k-60 Month IRA (Traditional,Roth)
1.05%$10k-48 Month IRA (Traditional,Roth)
1.00%$10k-36 Month IRA (Traditional,Roth)
0.70%$10k-24 Month IRA (Traditional,Roth)
0.65%$100k-15 Month BUMP IRA Special (Traditional,Roth)
0.55%$10k-12 Month IRA (Traditional,Roth)
0.40%$10k-6 Month IRA (Traditional,Roth)
0.20%$1k-3 Month IRA (Traditional,Roth)
0.10%$1k-1 Month IRA (Traditional,Roth)

Opus Bank has 54 locations. Click to view all Opus Bank locations.