🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 2020. CRA examination history below reflects the period it was active.

OPUS BANK

IRVINE, CA · Supervised by FDIC

Est. 1993FDIC #33,806RSSD: FDIC-33806
Part ofU.S. Bancorp→ View all charters
Outstanding Up

Current rating · Exam: January 2019

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -4.14%

Institution Profile

FDIC BankFind

Address

19900 Macarthur Blvd., 12th Floor, IRVINE, CA

County

Orange County

Established

May 20, 1993

Total Assets

$8.4B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2019

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2020Call Report / FDIC

Total Assets

$8.4B

Total Deposits

$6.7B

Net Loans

$5.9B

Net Income

$-84,843K

ROA

-4.14%

ROE

-32.24%

Risk-Based Capital

15.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate10.75%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202018687.63%10.75%
201954694.69%2.75%
201835988.3%6.41%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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