Wilshire Bank


3200 Wilshire Boulevard
Los Angeles, CA 90010
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Wilshire Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1980 and has approximately $4.88 billion in assets.

FDIC Insured Yes
FDIC Certificate # 23301
Date Established 1980
Assets $ 4.88 billion
Loans $ 3.82 billion
Deposits $ 4.02 billion
Capital $ 613.69 million

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

Deposit Rates - July 30, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Wilshire 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 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.534% 2.500%
0.50 points
$1,132 fees
$988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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4.840 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Wilshire Bank
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Financial Details

Wilshire Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wilshire 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
Wilshire Bank U.S. Bank Average
5.94% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Wilshire Bank had $28,769,000 in non-current loans and $10,844,000 in owned real estate. To cover these potential losses it had $613,687,000 in equity and $53,182,000 in loans loss reserves. That gives it a Texas Ratio of 5.94%.

Return on Equity
Wilshire Bank U.S. Bank Average
10.72% 11.43%

Wilshire Bank has a Return on Equity of 10.72% versus the BestCashCow average of 11.43%. 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.

Wilshire Bank U.S. Bank Average
12.57% 11.51%

Wilshire Bank has a Capitalization of 12.57% versus the BestCashCow average of 11.51. 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.

Wilshire Bank Balance Sheet Analysis

As of June 30, 2016, Wilshire Bank had assets of $4,880,877,000, loans of $3,822,900,000, and deposits of $4,024,972,000. 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.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.82 billion
Loan loss allowance $ 53.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 10.84 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 4.02 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 4.88 billion

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Wilshire Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Wilshire Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 6.54
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 10.87
Construction and Development Loans 1.85
Commercial Real Estate 68.35
Commercial and Industrial Loans 15.02
Farm Loans 0.00

Frequently Asked Questions About Wilshire Bank

Branches and Savings

Is Wilshire Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23301.

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

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

Why are Wilshire Bank CD rates not competitive?

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

Is Wilshire Bank a commercial bank?


Where are Wilshire Bank locations?

See branch locations nearby.

Is Wilshire Bank open on Saturdays?

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Are Wilshire Bank ATMs Open 24/7?

Do Wilshire Bank ATMs accept cash deposits?

Can Wilshire Bank customers use other ATMs?

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Will Wilshire Bank notarize my document?

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

Will the Wilshire Bank branch print checks?

Do Wilshire Bank checks expire?

Does Wilshire Bank require US citizenship to open account?

Can Wilshire Bank close my account?

Does Wilshire Bank Report to credit bureaus?

Does Wilshire Bank Use Equifax?

What is Wilshire Bank's ACH Routing Number?

What is Wilshire Bank's SWIFT code?


Does Wilshire Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Wilshire Bank offer personal loans?

Compare personal loan rates here.

Does Wilshire Bank offer student loans?

Will Wilshire Bank cash a check?

Will Wilshire Bank redeem a savings bond?

Does Wilshire Bank cash savings bonds?

Will Wilshire Bank cash money orders?

Can Wilshire Bank issue a money order?

Does Wilshire Bank do currency exchange?

Background on The Bank

Who owns Wilshire Bank?

How long has Wilshire Bank been around?

Can Wilshire Bank transfer to other banks?

Does Wilshire Bank have quick pay?

Does Wilshire Bank accept rolled coins?

Will Wilshire Bank accept loose change?

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