Evertrust Bank (FDIC #34010): Bank Stress & Real-Estate Credit Exposure
Evertrust Bank (FDIC Cert #34010): bank stress 31/100, contained, STABLE over 7 days; parent O-BANK CO LTD.
Evertrust Bank (#34010) lends in 3 counties across 1 state; Evertrust Bank (#34010) reaches 453 ZIP codes: California 3 counties, 453 ZIPs.
Evertrust Bank (#34010) largest markets: Los Angeles County, CA (1,520 branches, 304 ZIPs) (#34010), Orange County, CA (92 branches, 92 ZIPs) (#34010), Santa Clara County, CA (126 branches, 63 ZIPs) (#34010).
Evertrust Bank (#34010) reports $1.13 billion in total assets; Evertrust Bank (#34010) equity $261.7 million (23.3% of Evertrust Bank (#34010) assets); Evertrust Bank (#34010) domestic deposits $848.6 million; Evertrust Bank (#34010) net income $5.6 million; Evertrust Bank (#34010) return on assets 1.01%; Evertrust Bank (#34010) return on equity 4.36%; Evertrust Bank (#34010) net interest income $18.2 million; Evertrust Bank (#34010) call report June 30, 2026.
Evertrust Bank (#34010) noncurrent real-estate loans 0.07% of its book; Evertrust Bank (#34010) residential 0.14%; Evertrust Bank (#34010) net charge-offs on real estate 0.74%; Evertrust Bank (#34010) residential charge-offs 0.77%.
Evertrust Bank (#34010) net interest margin 3.50% against an eight-quarter Evertrust Bank (#34010) average of 3.77% (Evertrust Bank (#34010) compression 0.28 points); Evertrust Bank (#34010) real-estate loans 6.7% of equity; Evertrust Bank (#34010) non-residential real estate 77.2% of equity; Evertrust Bank (#34010) rate-exposure score 40/100, Evertrust Bank (#34010) fixed-rate trap 40/100; Evertrust Bank (#34010) risk type rate trapped; Evertrust Bank (#34010) rate regime rates elevated, Evertrust Bank (#34010) snapshot October 20, 2026.
Evertrust Bank (#34010) stress score moved from 30.1 on June 22, 2026 to 31 on October 20, 2026; Evertrust Bank (#34010) ranged 30.1 to 31 over 117 snapshots.
Evertrust Bank (#34010) alerts: 3 counties; top Evertrust Bank (#34010) alert scores: Irvine County, CA 15 (low); Milpitas County, CA 15 (low); Rowland Heights County, CA 15 (low).