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

Savings 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
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.750% 3.750% -0.38 ($395) $1,158 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% 8.87%

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 March 31, 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% 8.39%

Opus Bank has a Return on Equity of 5.33% versus the BestCashCow average of 8.39%. 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% 11.94%

Opus Bank has a Capitalization of 13.05% versus the BestCashCow average of 11.94%. 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.

Customer Reviews for Opus Bank

There are currently no comments for Opus Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →