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Nano Banc

$100M-$1B Specialty: Commercial CA FDIC cert 58590

Irvine, CA

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 -14.8% year over year ($685.8M on the books).
  • Delinquency rate 26.85%.
  • Return on assets -0.54%.
  • Efficiency ratio -5.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.91% 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) →

Nano Banc has 2 strengths but faces 6 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

  • + Efficiency Ratio 70.09% below tier average
  • + Non-Interest-Bearing Deposit Share 18.91% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 0.6% in tier
  • - Deposit Outflow: Bottom 3.2% in tier
  • - Return on Assets 1.86% below tier average
  • - Net Interest Margin 1.83% below tier average
  • - Delinquency Rate 25.93% above tier average
  • - Nonperforming Asset Ratio 16.07% above tier average
Get updates when Nano Banc releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $736.2M
-20.9% YoY -14.4% QoQ
+$349.6M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 10.8% in tier
Total Loans ? $458.9M
-22.5% YoY -7.7% QoQ
+$200.5M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 14.9% in tier
Total Deposits ? $685.8M
-14.8% YoY -13.2% QoQ
+$359.1M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 7.8% in tier
Return on Assets ? -0.54%
+83.2% YoY
-1.86% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 1.7% in tier
Net Interest Margin ? 2.15%
-41.8% YoY -10.8% QoQ
-1.83% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 1.2% in tier
Efficiency Ratio ? -5.62%
-103.2% YoY -105.0% QoQ
-70.09% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 0.1% in tier
Delinquency Rate ? 26.85%
+154.6% YoY +27.2% QoQ
+25.93% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 0.1% in tier
Loan-to-Deposit Ratio ? 66.91%
-9.1% YoY +6.3% QoQ
-11.04% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 40.94%
-7.5% YoY -6.6% QoQ
+18.91% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 4.0% in tier
Nonperforming Asset Ratio ? 16.74%
+149.5% YoY +37.2% QoQ
+16.07% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 0.1% in tier
Tier 1 Capital Ratio ? 7.83%
-49.3% YoY -4.2% QoQ
-8.08% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Bottom 0.1% in tier
Non-Interest Income / Assets ? 0.29%
-4.9% YoY +197.7% QoQ
-0.27% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
71%

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 40.9%
-3.3pp YoY
-2.9pp QoQ
 +18.8pp 22.1% 25.5% 22.2% 96%
Brokered Deposits 22.8%
-0.3pp YoY
-2.7pp QoQ
 +14.9pp 7.9% 11.0% 8.5% 93%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 6.2%
-11.6pp YoY
-2.1pp QoQ
 -5.4pp 11.6% 11.8% 12.5% 27%
CRE 53.7%
-3.1pp YoY
-0.3pp QoQ
 +14.2pp 39.5% 67.5% 41.4% 76%
1-4 Family 25.3%
+2.4pp YoY
-0.8pp QoQ
 -7.3pp 32.6% 16.5% 31.3% 41%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 7.8%
-7.6pp YoY
-0.3pp QoQ
 -11.0pp 18.8% 23.7% 19.7% 0%
Leverage Ratio 5.0%
-5.2pp YoY
+0.2pp QoQ
 -7.1pp 12.2% 14.5% 12.6% 0%
Total Capital Ratio 9.1%
-7.6pp YoY
-0.3pp QoQ
 -10.8pp 19.9% 25.1% 20.8% 0%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 49
-11 (-18.3%) YoY
-2 (-3.9%) QoQ
 -10 58 337 482 52%
Assets per Employee ($) $15.0M
-3.2% YoY
-10.9% QoQ
 +$7.5M $7.5M $11.3M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

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 26.8%
+16.3pp YoY
+5.7pp QoQ
 +25.9pp 0.9% 1.4% 1.0% 100%
Allowance Coverage 0.16x
-50.5% YoY
+30.2% QoQ
 -23.99x 24.15x 17.11x 20.23x 0%
Net Charge-off Rate (YTD) 3.1%
-0.6pp YoY
+2.8pp QoQ
 +3.0pp 0.1% 0.3% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -10.9%
+16.9pp YoY
-12.1pp QoQ
 -23.1pp 12.2% 8.2% 11.6% 1%
Cost of Funds (YTD) 2.3%
+0.7pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.9% 1.7% 85%
Net Income ($, YTD) $-2218000.0
+85.6% YoY
— QoQ
 -$4.8M $2.6M $28.5M $40.4M 1%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#5 of 661 • Bottom 0.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 7.83%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Outflow

decline
#18 of 535 • Bottom 3.2% 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 declining

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 (5 metrics)

1
Efficiency Ratio
profitability
Value: -5.62%
Peer Median: 64.48%
#1 of 2643 Top 0.1% in $100M-$1B
107
Non-Interest-Bearing Deposit Share
funding
Value: 40.94%
Peer Median: 22.03%
#107 of 2643 Top 4.0% in $100M-$1B
206
Total Deposits
size
Value: $685.85M
Peer Median: $326.73M
#206 of 2643 Top 7.8% in $100M-$1B
286
Total Assets
size
Value: $736.17M
Peer Median: $386.57M
#286 of 2643 Top 10.8% in $100M-$1B
396
Total Loans
size
Value: $458.88M
Peer Median: $258.35M
#396 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (5 metrics)

2643
Tier 1 Capital Ratio
capital
Value: 7.83%
Peer Median: 15.91%
#2643 of 2643 Bottom 0.1% in $100M-$1B
2643
Nonperforming Asset Ratio
credit_quality
Value: 16.74%
Peer Median: 0.67%
#2643 of 2643 Bottom 0.1% in $100M-$1B
2633
Delinquency Rate
credit_quality
Value: 26.85%
Peer Median: 0.92%
#2633 of 2633 Bottom 0.1% in $100M-$1B
2613
Net Interest Margin
profitability
Value: 2.15%
Peer Median: 3.99%
#2613 of 2643 Bottom 1.2% in $100M-$1B
2598
Return on Assets
profitability
Value: -0.54%
Peer Median: 1.32%
#2598 of 2643 Bottom 1.7% in $100M-$1B
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