Bank Of The Orient (FDIC #20387): Bank Stress & Real-Estate Credit Exposure

Bank Of The Orient (FDIC Cert #20387): bank stress 71/100, elevated, STABLE over 7 days; parent ORIENT BCORP.

Bank Of The Orient (#20387) lends in 5 counties across 2 states; Bank Of The Orient (#20387) reaches 280 ZIP codes: California 3 counties, 113 ZIPs; Texas 2 counties, 167 ZIPs.

Bank Of The Orient (#20387) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#20387), Alameda County, CA (53 branches, 53 ZIPs) (#20387), Fort Bend County, TX (35 branches, 35 ZIPs) (#20387), San Mateo County, CA (93 branches, 31 ZIPs) (#20387), San Francisco County, CA (90 branches, 30 ZIPs) (#20387).

Bank Of The Orient (#20387) reports $1.21 billion in total assets; Bank Of The Orient (#20387) equity $137.4 million (11.3% of Bank Of The Orient (#20387) assets); Bank Of The Orient (#20387) domestic deposits $1.05 billion; Bank Of The Orient (#20387) net income $4.4 million; Bank Of The Orient (#20387) return on assets 0.76%; Bank Of The Orient (#20387) return on equity 6.55%; Bank Of The Orient (#20387) net interest income $19.5 million; Bank Of The Orient (#20387) call report June 30, 2026.

Bank Of The Orient (#20387) noncurrent real-estate loans: none reported; Bank Of The Orient (#20387) net charge-offs on real estate 2.24%; Bank Of The Orient (#20387) residential charge-offs 0.79%.

Bank Of The Orient (#20387) net interest margin 3.51% against an eight-quarter Bank Of The Orient (#20387) average of 3.62% (Bank Of The Orient (#20387) compression 0.12 points); Bank Of The Orient (#20387) non-residential real estate 78.9% of equity; Bank Of The Orient (#20387) rate-exposure score 40/100, Bank Of The Orient (#20387) fixed-rate trap 40/100; Bank Of The Orient (#20387) risk type credit driven; Bank Of The Orient (#20387) rate regime rates elevated, Bank Of The Orient (#20387) snapshot October 20, 2026.

Bank Of The Orient (#20387) stress score moved from 65.6 on June 22, 2026 to 70.7 on October 20, 2026; Bank Of The Orient (#20387) ranged 65.6 to 70.7 over 117 snapshots.

Bank Of The Orient (#20387) alerts: 5 counties; top Bank Of The Orient (#20387) alert scores: San Francisco County, CA 43 (moderate); Houston County, CA 23 (low); Millbrae County, CA 23 (low); Oakland County, CA 23 (low); Sugar Land County, CA 23 (low).