What are the current interest rates at Bank of the Orient?

Current rates for Bank of the Orient include: 12-Month CD: 3.93%, MMA: 3.65%

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Bank of the Orient

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Bank of the Orient Rates & Review October 2026

Q: How many branches does Bank of the Orient operate?

Bank of the Orient currently maintains approximately 11 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, Bank of the Orient 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, Bank of the Orient 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 7, 2026

Bank of the Orient's top rates as of October 7, 2026 are 4.08% APY on its 13-MONTH CD, and 3.65% APY on money market accounts, according to rates verified by MonitorBankRates. Other Bank of the Orient CD rates include 9-MONTH CD at 3.98%, 13-MONTH CD at 3.93%, and 6-MONTH CD at 3.88%. MonitorBankRates evaluates the financial stability of Bank of the Orient with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.57%. Rates last updated and verified on 10/07/2026.

Bank of the Orient 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 Bank of the Orient? Share your experience about Bank of the Orient by leaving a review below, or read customer reviews before you decide to use Bank of the Orient.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.57%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Bank of the Orient

1023 Stockton St
San Francisco, CA 94108

https://www.bankorient.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.

Bank of the Orient CD Rates

Product	Rate	APY	Term
13-MONTH CD	-	4.08%	13-MONTH
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 4.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%
9-MONTH CD	-	3.98%	9-MONTH
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.98% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%
13-MONTH CD	-	3.93%	13-MONTH
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.93% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%
6-MONTH CD	-	3.88%	6-MONTH
Min Balance $100,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.88% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%
9-MONTH CD	-	3.83%	9-MONTH
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.83% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%
6-MONTH CD	-	3.73%	6-MONTH
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.73% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%

Bank of the Orient Money Market Rates

Product	Rate	APY	View More
MONEY MARKET PROMOTION	-	3.65%
Min Balance $50,000 Details NEW MONEY ONLY Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bank of the Orient’s Texas Ratio rose from 0.18% in Q3 2023 to 15.57% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. 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	$1.2B	15.57%	5.0	A-
March 31, 2026	$1.2B	5.67%	5.0	A+
December 31, 2025	$1.1B	5.91%	5.0	A+
September 30, 2025	$1.1B	7.38%	5.0	A
June 30, 2025	$1.0B	8.78%	5.0	A
March 31, 2025	$982M	3.04%	5.0	A+
December 31, 2024	$965M	3.43%	5.0	A+
September 30, 2024	$973M	0.46%	5.0	A+
June 30, 2024	$938M	0.13%	5.0	A+
March 31, 2024	$895M	0.14%	5.0	A+
December 31, 2023	$885M	0.16%	5.0	A+
September 30, 2023	$876M	0.18%	5.0	A+

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

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of the Orient is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of the Orient rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of the Orient's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of the Orient

Bank Holding Company ORIENT BCORP

Address 1023 Stockton St, San Francisco, CA 94108 · San Francisco

Website https://www.bankorient.com

FDIC Certificate # 20387

Established 19710317

FDIC Insurance Date 19710317

Domestic Offices 10

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.57%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7601%

Return on Equity (ROE) 6.5500%

Non-Performing Loans (NPL) 1.76%

Total Assets $1,214,471,000

Total Deposits $1,050,991,000

Equity Capital $137,412,000

Net Income $4,430,000

Headquarters San Francisco

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Bank of the Orient

How many branches does Bank of the Orient operate?

Bank of the Orient currently maintains approximately 11 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, Bank of the Orient 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, Bank of the Orient provides members with tools to manage their accounts and build a solid financial history.

Does Bank of the Orient offer online and mobile banking?

Most modern institutions like Bank of the Orient 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.bankorient.com.