Nano Banc
Irvine, CA·RSSD 3635029·FDIC 58590·bank:3635029·Risk-based ratios where reported
- #74 of 120Total assets in California
- 1offices
- 49employees
- Top 1%Efficiency vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Nano Banc
14 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter2.41%peers 1.80%+61 bps
Nano Banc's cost of deposits has not eased the way it has at similar banks, while deposit growth trailed similar institutions, noninterest-bearing deposits lost share and more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.41% | 1.80% | +61 bps |
| Deposits, 12-month growth | ||
| -14.8% | +4.3% | -19.0 pp |
| Share of deposits that pay no interest | ||
| 40.9% | 20.5% | +20.4 pp |
| Time deposits' share of deposits | ||
| 35.8% | 30.1% | +5.7 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter1.81%peers 3.99%-218 bps
Nano Banc's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.81% | 3.99% | -218 bps |
| Cost of all deposits | ||
| 2.41% | 1.80% | +61 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter25.73%peers 0.43%+2530 bps
Nano Banc's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 1554 bps over the past year to 25.73%. Among 1431 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 25.73% | 0.43% | +2530 bps |
| 12-month change | ||
| +1554 bps | 0 bps | +1554 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-21.9%peers +5.5%-27.4 pp
Nano Banc's loans declined 21.9% over the past year to $479 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -21.9% | +5.5% | -27.4 pp |
| Loans | ||
| $479 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings-1.17%peers 1.32%-249 bps
Nano Banc's annualized return on assets rose 512 bps over the past year to -1.17%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -1.17% | 1.32% | -249 bps |
| 12-month change | ||
| +512 bps | +14 bps | +498 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile. How signals work
9 more observations
- Deposit costs rising while the peer median fallsFunding
- Reliance on CDs rising while the peer median fallsFunding
- C&I lending shrinking while the peer median growsLending
- Net interest margin narrowing while the peer median widensEarnings
- Leverage capital ratio falling while the peer median risesCapital
- Deposits shrinking while the peer median growsFunding
- Deposits migrating from operating accounts to CDsFunding
- Unrealized securities position worsening while the peer median improvesCapital
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- Nano Banc is a bank headquartered in Irvine, California. It reported $736 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $686 million, down 14.8% from a year earlier, and loans totaled $479 million, down 21.9%.
- Its net interest margin was 1.81% and its annualized return on assets was -1.17% for the quarter.
- Its cost of all deposits was 2.41%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Nano Banc's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Nano Banc · Bank
- Federal Reserve RSSD
- 3635029
- FDIC certificate
- 58590
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Nano Banc itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$2.34M | — | |
| $7.91M | — | |
| $4.43M | — | |
| $3.49M | — | |
| $1.31M | — | |
| -$7.24M | — | |
| $14.39M | — | |
| $14.38M | — | |
| -1.17% | -1.17%ROAQ · Quarter | |
| 1.81% | 1.80%NIMYQ · Quarter | |
| -150.95% | -151.09%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.