Open Bank (FDIC #57944): Bank Stress & Real-Estate Credit Exposure
Open Bank (FDIC Cert #57944): bank stress 68/100, elevated, STABLE over 7 days; parent OP BCORP.
Open Bank (#57944) lends in 5 counties across 3 states; Open Bank (#57944) reaches 624 ZIP codes: California 3 counties, 453 ZIPs; Texas 1 county, 95 ZIPs; Nevada 1 county, 76 ZIPs.
Open Bank (#57944) largest markets: Los Angeles County, CA (2,128 branches, 304 ZIPs) (#57944), Dallas County, TX (95 branches, 95 ZIPs) (#57944), Orange County, CA (184 branches, 92 ZIPs) (#57944), Clark County, NV (76 branches, 76 ZIPs) (#57944), Santa Clara County, CA (63 branches, 63 ZIPs) (#57944).
Open Bank (#57944) reports $2.75 billion in total assets; Open Bank (#57944) equity $264.1 million (9.6% of Open Bank (#57944) assets); Open Bank (#57944) domestic deposits $2.37 billion; Open Bank (#57944) net income $16.2 million; Open Bank (#57944) return on assets 1.20%; Open Bank (#57944) return on equity 12.57%; Open Bank (#57944) net interest income $41.6 million; Open Bank (#57944) call report June 30, 2026.
Open Bank (#57944) noncurrent real-estate loans: none reported; Open Bank (#57944) residential -0.01%; Open Bank (#57944) net charge-offs on real estate 2.20%; Open Bank (#57944) residential charge-offs 3.30%.
Open Bank (#57944) net interest margin 3.23% against an eight-quarter Open Bank (#57944) average of 3.15% (Open Bank (#57944) compression -0.08 points); Open Bank (#57944) non-residential real estate 330.0% of equity; Open Bank (#57944) rate-exposure score 40/100, Open Bank (#57944) fixed-rate trap 40/100; Open Bank (#57944) risk type credit driven; Open Bank (#57944) rate regime rates elevated, Open Bank (#57944) snapshot October 20, 2026.
Open Bank (#57944) stress score moved from 67.5 on June 22, 2026 to 67.8 on October 20, 2026; Open Bank (#57944) ranged 67.5 to 67.8 over 117 snapshots.
Open Bank (#57944) alerts: 5 counties; top Open Bank (#57944) alert scores: Santa Clara County, CA 42 (moderate); Los Angeles County, CA 41 (moderate); Carrollton County, CA 23 (low); Garden Grove County, CA 23 (low); Las Vegas County, CA 23 (low).