Opus Bank

19900 Macarthur Blvd., 12th Floor
Irvine, CA 92612

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33806
Date Established 1993
Assets $7.68 billion
Loans $5.13 billion
Deposits $6.34 billion
Capital $1.00 billion

Opus Bank is an FDIC insured institution located in Irvine, CA. It was founded in 1993 and has approximately $7.68 billion in assets. Customers can open an account at one of its 59 branches.

For a more detailed analysis of Opus Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Opus Bank’s loan portfolio are Multifamily Mortgages, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in California, Opus Bank has a significantly higher percent of Multifamily Mortgages, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.04
Multifamily
Mortgages
44.92
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.24
Construction and Development Loans 1.68
Commercial Real Estate 23.81
Commercial and Industrial Loans 27.20
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $10,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
06MCD10K
0.20% $10,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.20% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.65% $1,000 $9,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM10K
0.15% $1 $24,999 Learn MoreShow Less
MM25K
0.40% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Opus Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.990% 3.990% -0.25 ($625) $1,193 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to Opus Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Opus Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Opus Bank Locations

Financial Details

Opus Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Opus Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Opus Bank U.S. Bank Average
5.9% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Opus Bank had $64,257,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,001,771,000 in equity and $87,745,000 in loans loss reserves. That gives it a Texas Ratio of 5.9%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Opus Bank U.S. Bank Average
5.33% 8.58

Opus Bank has a Return on Equity of 5.33% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Opus Bank U.S. Bank Average
13.05% 12.11

Opus Bank has a Capitalization of 13.05% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Opus Bank Balance Sheet Analysis

As of June 30, 2017, Opus Bank had assets of $7,676,459,000, loans of $5,130,488,000, and deposits of $6,344,449,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Opus Bank

Branches and Savings

Is Opus Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33806.

Why does Opus Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Opus Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Opus Bank a commercial bank?

Yes

Where are Opus Bank locations?

See branch locations nearby.

Is Opus Bank open on Saturdays?

Is Opus Bank open on Sundays?

What time does Opus Bank open?

What time does Opus Bank close?

Are Opus Bank ATMs Open 24/7?

Do Opus Bank ATMs accept cash deposits?

Can Opus Bank customers use other ATMs?

Do Opus Bank branches have notaries?

Will Opus Bank notarize my document?

What address for Opus Bank should I put for incoming ACH transfers?

Will the Opus Bank branch print checks?

Do Opus Bank checks expire?

Does Opus Bank require US citizenship to open account?

Can Opus Bank close my account?

Does Opus Bank Report to credit bureaus?

Does Opus Bank Use Equifax?

What is Opus Bank's ACH Routing Number?

What is Opus Bank's SWIFT code?

Products

Does Opus Bank offer mortgages?

Compare mortgage rates here.

Does Opus Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Opus Bank offer personal loans?

Compare personal loan rates here.

Does Opus Bank offer student loans?

Will Opus Bank cash a check?

Will Opus Bank redeem a savings bond?

Does Opus Bank cash savings bonds?

Will Opus Bank cash money orders?

Can Opus Bank issue a money order?

Does Opus Bank do currency exchange?

Background on The Bank

Who owns Opus Bank?

How long has Opus Bank been around?

Can Opus Bank transfer to other banks?

Does Opus Bank have quick pay?

Does Opus Bank accept rolled coins?

Will Opus Bank accept loose change?

Where is Opus Bank headquarters?

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