Opus Bank

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


General Bank Information

FDIC Insured Yes
FDIC Certificate # 33806
Date Established 1993
Assets $7.88 billion
Loans $5.56 billion
Deposits $6.69 billion
Capital $0.93 billion

Opus Bank is an FDIC insured institution located in Irvine, CA. It was founded in 1993 and has approximately $7.88 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 2.23
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.28
Construction and Development Loans 2.02
Commercial Real Estate 24.81
Commercial and Industrial Loans 31.39
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K 0.20% $10,000 $99,999 Learn MoreShow Less
3 Mo CD 100K 0.20% $100,000 - Learn MoreShow Less
6 Mo CD 10K 0.40% $10,000 $99,999 Learn MoreShow Less
6 Mo CD 100K 0.40% $100,000 - Learn MoreShow Less
12MCD10K 0.90% $10,000 $99,999 Learn MoreShow Less
12 Mo CD 100K 1.00% $100,000 - Learn MoreShow Less
24MCD10K 1.20% $10,000 $99,999 Learn MoreShow Less
24 Mo CD 100K 1.25% $100,000 - Learn MoreShow Less
36MCD10K 1.30% $10,000 $99,999 Learn MoreShow Less
36 Mo CD 100K 1.35% $100,000 - Learn MoreShow Less
48 Mo CD 10K 1.05% $10,000 $99,999 Learn MoreShow Less
48 Mo CD 100K 1.05% $100,000 - Learn MoreShow Less
60MCD10K 1.50% $10,000 $99,999 Learn MoreShow Less
60 Mo CD 100K 1.55% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.10% $1 $9,999 Learn MoreShow Less
FIXIRA0K 0.90% $1,000 $9,999 Learn MoreShow Less
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

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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
9.22% 9.04%

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 December 31, 2016, Opus Bank had $95,263,000 in non-current loans and $428,000 in owned real estate. To cover these potential losses it had $925,935,000 in equity and $111,410,000 in loans loss reserves. That gives it a Texas Ratio of 9.22%. 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
1.25% 8.42%

Opus Bank has a Return on Equity of 1.25% versus the BestCashCow average of 8.42%. 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.

Opus Bank U.S. Bank Average
11.75% 11.86%

Opus Bank has a Capitalization of 11.75% versus the BestCashCow average of 11.86%. 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 December 31, 2016, Opus Bank had assets of $7,882,623,000, loans of $5,557,821,000, and deposits of $6,687,435,000. 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.

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