Nano Banc
Irvine, California · FDIC Cert #58590
Nano Banc is an FDIC-insured bank (Certificate #58590) with $958M in total assets and $817M in total deposits as of the Q2 2024 Call Report. Headquartered in Irvine, California, the bank maintains a Tier 1 capital ratio of 17.00% (Well-Capitalized) and a nonperforming loan ratio of 3.62%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Nano Banc (FDIC cert 58590) is a community bank — $958M in total assets, $817M in deposits, serving the Irvine, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 17.00% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.62% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 23.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.38% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Nano Banc carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Nano Banc
- Total Assets
- $958M
- Total Deposits
- $817M
- Tier 1 Capital Ratio
- 17.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.62%
- Liquidity Ratio
- 23.93%
- Return on Assets
- 0.38%
- Headquarters
- Irvine, California
- FDIC Certificate
- #58590
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Nano Banc holds a Tier 1 capital ratio of 17.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Nano Banc has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Nano Banc shows strong financial health indicators. With $958M in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Nano Banc Compares
Nano Banc’s Health Score of 66 is 6 points below the California state average of 72 across 123 FDIC-insured banks. Its 17.00% Tier 1 capital ratio is 3.0 points above the US banking industry average near 14%. The 3.62% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.38% is below the national ROA benchmark of ~1.1%. Among 1069 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Nano Banc is 4 points below the portfolio average of 70.
Frequently Asked Questions
Nano Banc has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 17.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Nano Banc's Tier 1 capital ratio of 17.00% and nonperforming loan ratio of 3.62% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Nano Banc is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58590). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Nano Banc holds $958M in total assets and $817M in total deposits. It is headquartered in Irvine, California (FDIC Certificate #58590).
Nano Banc has a Tier 1 capital ratio of 17.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.62%, and the return on assets is 0.38%.
Yes. Nano Banc is FDIC-insured (Certificate #58590). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Nano Banc's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.