# BANK OF STOCKTON
STOCKTON, CA · FDIC certificate 1536 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.99B | |
| Deposits | $3.80B | |
| Loans and leases | $2.48B | |
| Total equity | $975.6M | |
| Loans / deposits | 63.24% (p10 of band) | 87.10% |
| Liquid assets / assets | 46.48% (p94 of band) | |
| Uninsured deposits / deposits | 45.23% (p83 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p13 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 19.95% (p97 of band) | 10.50% |
| Unrealized securities loss / equity | -82.71% (p1 of band) | -7.75% |
| AOCI / equity | -0.49% (p36 of band) | |
| ROA (annualized) | 6.08% (p99 of band) | 1.26% |
| Net interest margin | 3.72% (p51 of band) | 3.70% |
| Efficiency ratio | 47.56% (p18 of band) | |
| Noncurrent loans | 0.08% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p51 of band) | |
| Reserve coverage of noncurrent | 3918.50% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 11.66% (p11 of band) | |
| Auto loans | $167.7M (6.76% of loans; DQ 0.82%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 415 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | auto book souring |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | securities losses >30% of equity, losing money | auto book souring |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | capital falling, losing money |  |
| 2022-12 | 2 | noncurrent p90 | capital falling, losing money |
| 2023-03 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-24 [Stockton’s Emergency Food Bank reels from federal shutdown, USDA cutbacks - Stocktonia](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcVlCM2RRTkYxNHR4bHlnOUx5alJxMjU2Y2dRemw1T0ltbUNHU0E3ZkcydlBDSy1SZEVaeDk1Uk9IZTdjTGZveDlhanQyLXllMDlMaVVUVUdKN240ZDViNkFrVDdzYjNhQy0tUXdIQ0hvcm15NmQybWJ0dDVnZDF4cWJUWEY1elZYWWk5RlNZcmpWT0JBcE1LQ0c1THdsQkJZQ09pd2RnM1NWVDNO?oc=5) · Stocktonia
- 2025-10-14 [Emergency Food Bank of Stockton feeling strain from government shutdown - CBS News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNlR6b3Zhb3ZGTDd2bE90Q0pOQzdhbUdiVnVyTFpUYmRxWXFodzdYN0pRQ3JxeG1vQk9tNk9UQ0NfQVdXOTFwMTB2Ui1vcGtkb2ZfVXA2Z3lYbUphUUU5LWNSRkJlS2d3U1gxYzNIbWFSemJraDRGLTlNbUx4a2dRU1dFWklWdHByZWl5UjRSRS1CTGtaX2ZlNm9ma1DSAaIBQVVfeXFMTjg3d1dCWjUtdi1oT3FjcXc1bWtTNGU1NlVubnNRY3ZrdFMyZlJTUXllaDBRTzRWLWxjWmJsNVJ3azlUVWk3SndqQWRXQ1VjUG90ZGt3T0o5TGE0Vlc1R2hyc2dkbmMxbjc0R3JLbmhrYTlJY2p5cmhlbk03OHI1SXJOb01adG1YMkRGUEFoZm04UVA5cnd1ekdyc0N1b0FCWjhR?oc=5) · CBS News
- 2025-10-10 [Stockton food bank faces shortages due to government shutdown - kcra.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZkphY1F2WGFLRV9DMEIxNWRmNU5WT0RqWVdtd1VtbW9PM2xROTdjV2lLWmc2QjlCeFlVUXNaUFJ4N1EwSHVkSGlTMjdjSmdaOXc1VzlhVjlGOHNPYWJiRk13Q1JLYjJWTmM1Zng1bTVBWW4wU2lNam16em5DeVFDTU1HcEJTbzJjNl9YcHgtMA?oc=5) · kcra.com
- 2026-01-31 [Where was One Battle After Another filmed? (with maps) - The Worldwide Guide To Movie Locations](https://news.google.com/rss/articles/CBMic0FVX3lxTE9peG9tbXJ5Mi1GUlQxT3FhMzZ4OGpja2hsRWduakhMV0xYV3JBTDFSME9rMUdia3Q0ZWprdUNOU21IdGNSLUxNaHhYbmIzdnBpdHVfdFQyNkZjSGVaSGY2QlpxVG5iV0RoaTVEblpWelRCUzA?oc=5) · The Worldwide Guide To Movie Locations
- 2024-11-13 [Bank of Stockton Holds Grand Opening - Independent Voice |](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUGdLcXNmVXhJQVNOc0s0YTJoYzRzd3BWdHNiSlgtN2VzRWxYTFdDQ3pZV2o1cThXRng5eWVmNHdyc3dWaUlOTHJ4ZmVuTTNRX0J0b1pMSXNITDB0a2I4VmU3YmRmcWxOTGIzTlp2VVA3enU4cVMtaEJndWQ5UHluVHYzZ3JVMFFfaExacFJ3NFE?oc=5) · Independent Voice |
- 2024-10-07 [A Stockton Institution - Comstock's magazine](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8xUTJobXcyQ2YzV1pUVV9IMFFBZGk4MEFSQW5Ta3l6UWhaQXBJbVB0NzlIUFR5eGZDWWttdmpTUS1nVGhPV0t4MVRsdXcxdzZrSVNWbzNLalF0S3VhOU1MOWFBWFU5czA?oc=5) · Comstock's magazine
- 2017-08-16 [Bank Of Stockton Celebrates 150 Years - Oakdale Leader](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUmNVb0xzRm85TWJnSVQwT21ZdFF3anBqNGw5WDhHNWNSMnZZeEFVcWk3bW14SVY2TGk3NWI0WmJ3amFTTEhnYXRSX2UyRUo1ZmpWaTZXOWEzbXhOVnFLUjVjelNWd3VGUkltNk9vamdpamMzdEVOamNHSHBETFRNTVVzS09DVVktRW1jMmxTU0tZVFJRMzFZ?oc=5) · Oakdale Leader
- 2015-07-26 [Newsmakers: Bank of Stockton names new executive, board member - The Stockton Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZUJUUE5tZEdzckRSNXJ3MGJzR3VHUXFUMVJaSXI3NGpDeUFzZmVIN1RlQk4xN2M1QUwwZzBXSkNGQUNNb2kwUjZsenJTS0RacFlvNjlGbndEaDNwMjRwdjktTWJsODhnYWdRT2pPREs0WVhIWlVTSE9xMl9memtoTmN0ekQtZmVwUUdfallza1liWVVCTFJDVGt5NFRNUWpr?oc=5) · The Stockton Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1536 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "1536", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide