BankingStats

Open Bank

Los Angeles, California, Los Angeles County

$2.7B in total assets, the 479th largest of 4,309 US banks and 37th of 120 headquartered in California.

FDIC certificate
57944
Established
2005
Owned by
Op Bcorp
Primary regulator
FDIC
Website
www.myopenbank.com

At a glance

Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure This bank Percentile Peer range, middle 90% Peer median
Total assets $2.7B 49% $2.9B
Loans $2.3B 61% $1.8B
Deposits $2.4B 51% $2.3B
Return on assets 1.15% 41% 1.22%
Net interest margin 3.23% 20% 3.81%
Efficiency ratio 55.8% 55% 53.5%
Equity to assets 9.62% 14% 11.37%
Loans to deposits 96% 82% 89%

Growth

Total assets grew 11.4% a year over the last 5 years and 15.1% a year over 10 years, without acquisitions.

Where they operate

12 branches in 5 counties.

Largest markets by deposits

CountyDepositsMarket shareRank
Los Angeles County, CA$1.9B0.4%28 of 91
Orange County, CA$308M0.2%36 of 73
Santa Clara County, CA$87M0.0%34 of 42
Clark County, NV$59M0.1%34 of 41
Dallas County, TX$44M0.0%95 of 109

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Branch history since 2016

Net gain of 5 branches since 2016 (7 to 12, +71.4%). 5 opened, 0 acquired, 0 closed or sold.

PeriodWhat happenedOpened or acquiredClosed or soldNet changeBranches at end
Start of 2016Starting point7
2018Opened Santa Clara10+18
2019Opened Carrollton10+19
2022Opened Cerritos10+110
2023Opened Las Vegas10+111
2025Opened Garden Grove10+112

Balance sheet and earnings

Loans by type

TypeShareThis bankPeers
Commercial real estate 56%47%
1-4 family residential 28%14%
Business (C&I) 6%15%
Multifamily 5%13%
Farmland 0%2%
Consumer 0%2%
Construction and land 0%3%
Other 4%2%

Deposits by type

TypeShareThis bankPeers
Time deposits 59%22%
Noninterest-bearing 24%29%
Other interest-bearing 18%49%

Brokered deposits are 14.5% of deposits (peers 4.4%).

Return on assets

Trailing four quarters, with the peer median.

Credit and capital

This bankPeer median
Noncurrent loans0.76%0.43%
Net charge-offs, annualized0.01%0.06%
Reserves to loans1.23%1.28%
Leverage ratio10.15%11.65%

Noncurrent loans exclude government-guaranteed portions.

Similar size in California

Largest competitors in Los Angeles County, CA

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/open