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Nano Banc Rates & Review October 2026

Q: How many branches does Nano Banc operate?

Nano Banc currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Nano Banc does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nano Banc provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Nano Banc rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.98%, 6-month CD rates at 2.84% and 3-month CD rates at 2.66%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not Nano Banc, and you can see how they compare in the Nano Banc rate tables below. Nano Banc was closed by the California Department of Financial Protection and Innovation on September 25, 2026, and its deposits were assumed by Sunwest Bank. There are no current Nano Banc rates.

Nano Banc money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Nano Banc? Share your experience about Nano Banc by leaving a review below, or read customer reviews before you decide to use Nano Banc.

Overall Health & Safety Grade

Closed by Regulators Health Score: 5/100

MonitorBankRates Rating

1.0

Closed Out of 5.0 Stars

Texas Ratio

317.46%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Nano Banc

7755 Irvine Center Dr Fl 3
Irvine, CA 92618

https://www.nanobanc.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Financial Health History

Nano Banc’s Texas Ratio rose from 35.69% in Q3 2023 to 317.46% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.3 to 1.0 and its Health Grade from D to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$736M	317.46%	1.0	F
March 31, 2026	$860M	254.55%	1.0	F
December 31, 2025	$875M	316.64%	1.0	F
September 30, 2025	$909M	133.19%	1.0	F
June 30, 2025	$931M	61.91%	1.1	F
March 31, 2025	$997M	10.03%	5.0	A
December 31, 2024	$955M	0.00%	5.0	A+
September 30, 2024	$1.1B	11.53%	5.0	A
June 30, 2024	$958M	20.22%	4.6	B
March 31, 2024	$968M	30.19%	3.7	C-
December 31, 2023	$925M	26.81%	4.0	C
September 30, 2023	$949M	35.69%	3.3	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Bank Closed

Nano Banc was closed by the California Department of Financial Protection and Innovation on September 25, 2026, and its deposits were assumed by Sunwest Bank (Sandy, UT). There are no current Nano Banc rates to report. Interest earned up to the closing date was paid at the rate in effect at that time.

FDIC information for Nano Banc depositors and borrowers

Bank Profile & Overview

Institution Name Nano Banc

Bank Holding Company NANO FINANCIAL HOLDINGS INC

Address 7755 Irvine Center Dr Fl 3, Irvine, CA 92618 · Orange

Website https://www.nanobanc.com

FDIC Certificate # 58590

Established 20070917

FDIC Insurance Date 20070917

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 5/100

1.0

Weak Out of 5.0 Stars

317.46%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.5385%

Return on Equity (ROE) -10.9500%

Non-Performing Loans (NPL) 16.74%

Total Assets $736,172,000

Total Deposits $685,846,000

Equity Capital $38,810,000

Net Income $-2,218,000

Headquarters Irvine

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About Nano Banc

How many branches does Nano Banc operate?

Nano Banc currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Nano Banc does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nano Banc provides members with tools to manage their accounts and build a solid financial history.

Does Nano Banc offer online and mobile banking?

Most modern institutions like Nano Banc provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nanobanc.com.