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Overview / Commentary
17901 Von Karman Ave, # 150
Irvine, CA 92614

Orange County Business Bank is headquartered in Irvine and is the 144th largest bank in the state of California. It is also the 3,148th largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 32 employees at 1 location. Orange County Business Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A

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 March 31, 2014 Orange County Business Bank had $4.3 million in non-current loans and owned real-estate with $39.39 million in equity and loan loss allowances on hand to cover it. This gives Orange County Business Bank a Texas Ratio of 10.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Orange County Business Bank decreased dramatically from 21.13% as of March 31, 2013 to 10.92% as of March 31, 2014, resulting in a positive change of 48.32%.This indicates that the balance sheet and financial strength for Orange County Business Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Orange County Business Bank has increased its total deposits by $15.5 million, resulting in 13.26% 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 Orange County Business Bank has shown is excellent.

Capitalization

GRADE:
A+

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. Orange County Business Bank has $192.02 million in assets with $39.39 million in equity, resulting in a capitalization level of 20.51%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57338
Year Established2002
Employees32
Primary RegulatorFDIC
Assets and Liabilities
Assets$192.02 million
Loans$110.47 million
Deposits$132.44 million
Equity Capital$37.64 million
Loan Loss Allowance$1.74 million
Unbacked Noncurrent Loans$4.30 million
Real Estate Owned$0
Historic Data - March 2013
Assets$177.82 million
Equity Capital$38.87 million
Loan Loss Allowance$1.97 million
Unbacked Noncurrent Loans$4.30 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.03%
Return on Equity0.13%
Interest Income$1.61 million
Rates

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Locations


Orange County Business Bank Locations
Orange County Business Bank17901 Von Karman Avenue, Suite 150Irvine, CA 92614