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Bank of Whittier, National Association

$100M-$1B Specialty: Commercial CA FDIC cert 24211

Designations: ✓ Minority Depository Institution

Whittier, CA

2 branches across CA · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -15.4% year over year ($125.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.69%.
  • Efficiency ratio 63.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.27% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Bank of Whittier, National Association has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 37.3% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 15.1% in tier
  • - Net Interest Margin 1.54% below tier average
  • - Non-Interest-Bearing Deposit Share 13.41% below tier average
  • - ROA 0.64% below tier average
Get updates when Bank of Whittier, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $152.6M
-12.2% YoY -3.9% QoQ
-$234.0M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Bottom 14.8% in tier
Total Loans ? $84.2M
+0.0% YoY +0.4% QoQ
-$174.1M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 12.2% in tier
Total Deposits ? $125.2M
-15.4% YoY -4.5% QoQ
-$201.6M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 13.7% in tier
Return on Assets ? 0.69%
+2.7% YoY -23.7% QoQ
-0.64% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 2.45%
+12.6% YoY +3.0% QoQ
-1.54% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 2.7% in tier
Efficiency Ratio ? 63.92%
+1.4% YoY +9.1% QoQ
-0.56% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.27%
+18.2% YoY +5.1% QoQ
-10.68% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 8.62%
-3.6% YoY +6.9% QoQ
-13.41% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 8.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.38%
+16.6% YoY +6.5% QoQ
+0.47% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.34%
+22.6% YoY +77.6% QoQ
-0.22% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 8.6%
-0.3pp YoY
+0.6pp QoQ
 -13.5pp 22.1% 25.5% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 0.4%
0.0pp YoY
0.0pp QoQ
 -11.2pp 11.6% 11.8% 12.5% 2%
CRE n/a n/a 39.5% 67.5% 41.4% n/a
1-4 Family 32.4%
-4.8pp YoY
-0.4pp QoQ
 -0.2pp 32.6% 16.5% 31.3% 56%
Consumer 1.0%
-0.2pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 5.3% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 16.4%
+2.3pp YoY
+1.0pp QoQ
 +4.2pp 12.2% 14.5% 12.6% 92%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 22
+2 (+10.0%) YoY
0 QoQ
 -37 58 337 482 14%
Assets per Employee ($) $6.9M
-20.2% YoY
-3.9% QoQ
 -$582K $7.5M $11.3M $8.8M 51%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 4.3%
-0.5pp YoY
-1.5pp QoQ
 -7.9pp 12.2% 8.2% 11.6% 11%
Cost of Funds (YTD) 2.5%
-0.7pp YoY
-0.1pp QoQ
 +0.8pp 1.7% 1.9% 1.7% 89%
Net Income ($, YTD) $549,000
-6.6% YoY
— QoQ
 -$2.0M $2.6M $28.5M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#247 of 659 • Top 37.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#82 of 535 • Bottom 15.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
573
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#573 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (6 metrics)

2573
Net Interest Margin
profitability
Value: 2.45%
Peer Median: 3.99%
#2573 of 2643 Bottom 2.7% in $100M-$1B
2431
Non-Interest-Bearing Deposit Share
funding
Value: 8.62%
Peer Median: 22.03%
#2431 of 2643 Bottom 8.1% in $100M-$1B
2322
Total Loans
size
Value: $84.21M
Peer Median: $258.35M
#2322 of 2643 Bottom 12.2% in $100M-$1B
2283
Total Deposits
size
Value: $125.18M
Peer Median: $326.73M
#2283 of 2643 Bottom 13.7% in $100M-$1B
2253
Total Assets
size
Value: $152.61M
Peer Median: $386.57M
#2253 of 2643 Bottom 14.8% in $100M-$1B
2157
Return on Assets
profitability
Value: 0.69%
Peer Median: 1.32%
#2157 of 2643 Bottom 18.4% in $100M-$1B
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