🏦Bank Scorer

BANK OF WHITTIER, NATIONAL ASSOCIATION

WHITTIER, CA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1982FDIC #24,211
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.90%

Is this bank safe?

BANK OF WHITTIER, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.90%).

Institution Profile

FDIC BankFind

Address

15141 Whittier Blvd, WHITTIER, CA

County

Los Angeles County

Established

December 20, 1982

Total Assets

$159M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 30, 2023

Exam Type

Strategic Plan

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$159M

Total Deposits

$131M

Net Loans

$84M

Net Income

$368K

ROA

0.90%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.79%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.90%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate21.33%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$148M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202421145.97%21.33%
202318346.45%12.57%
202227039.26%8.52%
202143568.74%11.95%
202057268.71%13.99%
201928951.21%14.19%
201823847.9%19.75%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
May 2023SatisfactoryStrategic Plan
Jan 2015SatisfactorySmall Bank
Oct 2011Needs to ImproveSmall Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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