# BAC COMMUNITY BANK
STOCKTON, CA · FDIC certificate 19434 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $761.9M | |
| Deposits | $673.0M | |
| Loans and leases | $458.6M | |
| Total equity | $75.4M | |
| Loans / deposits | 67.13% (p21 of band) | 82.04% |
| Liquid assets / assets | 36.51% (p77 of band) | |
| Uninsured deposits / deposits | 28.02% (p59 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.78% (p32 of band) | |
| FHLB advances / assets | 0.78% | |
| Tier 1 leverage | 11.44% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -18.05% (p26 of band) | -8.10% |
| AOCI / equity | 2.35% (p98 of band) | |
| ROA (annualized) | 0.77% (p20 of band) | 1.28% |
| Net interest margin | 3.55% (p30 of band) | 3.91% |
| Efficiency ratio | 75.27% (p83 of band) | |
| Noncurrent loans | 0.18% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 831.64% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 12.71% (p17 of band) | |
| Auto loans | $167,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 92 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | capital falling, charge-offs p90 |  |
| 2011-12 | 1 |  | capital falling, charge-offs p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2014-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | brokered >10% | capital falling |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | deposits shrinking |  |
| 2019-12 | 0 |  | deposits shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving | deposits shrinking |
| 2023-09 | 6 | deposits shrinking |  |
| 2023-12 | 3 |  | brokered >10%, wholesale funding >15%, expense ratio p90 |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 | deposits shrinking | uninsured deposits leaving |
| 2024-09 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-04-24 [BAC Community Bank CEO appointed to bankers’ association Safety and Soundness Committee - Antioch Herald](https://news.google.com/rss/articles/CBMivgFBVV95cUxPQ3c5Ri1xOHh0eURNdDg0cHdzY1dLTElVaWQ4UWxpTGxpSk9uN09BY21zX1c5T3VFN2RHa21FdUQ4YXNKbC15czdSX0VYWHQ4REtIZEVCUzFCOU1MZ0d6c2RWZmIwSG9CRksyNWdsUDVxNURMM1lQeUxwYkktYzZUR2JjbEM2Ni1DMzNLdWg4aG5qTmw5NjRUTnJ4VjRjRlYwUE9kV3JDU1ZDX2NGYm9KZTZ6T3pLcEE2SzJiRTNB?oc=5) · Antioch Herald
- 2025-02-17 [Lodi native joins BAC Community Bank as vice president, senior relationship manager - The Stockton Record](https://news.google.com/rss/articles/CBMiygFBVV95cUxPTTJDQWpkOUVyaDZJZU1GSHYxSk1XRFFTQ3VGVVpYX2pPMkJPa1I2ZmdoOXMtZ3ZiaXc3dkd0QUQtLXZhVnIwV3F2dnRxX3lKNHdGOHNRVUxIZ0Q2cE4tc19aTlJjTHVkZjA2Wlc0WHg1OUgwODdOWTlQN2xyWEx0d1JZTzVqUEM0VmoxYU82VFloRFZfUDNPQ3A2Zzh6OWQ3MlZITDREc2g5eVJ2WnFwWHZ4d2x5b3BNYU1VZlluWGQ3aFlxeVhyMUlR?oc=5) · The Stockton Record
- 2022-11-28 [BAC Community Bank promotes Andy Narayan to Relationship Banker - Contra Costa Herald](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOb0xEZ2htT2x5VFg2S0dndEIxY3I2cWFUa3hKWUwzZks3bkQ0U0JrX1hscTRSek5vQkFPeDZMUG1mU09RcjFBb0FyWjBPUERoY01sNkxIMW9FX1ZHRkRMVU5pVkcxZDZPb1plVXBrZEp0YUF1R0hpTnNmOHN3UFFYbm1Jb2RwMHFrc2V5UjB6Y2xqcGduNDUzcDhFbVoyeG9vdnBIMFplMnU1RlhvdXpWZHFyR2RudHVzSldYNG9TaFA?oc=5) · Contra Costa Herald
- 2024-04-13 [It's not just Jamie Dimon and Wall Street. Local bank branches have big AI ambitions - CNBC](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOXZYb1dHaUdBV0VuLVNTdkVUMEdjZHY5SXAySkpwWmR3eEFXT1B5c2t2WHdtR3B5amtKTEw4SHJPSHhuVVFnQW9nM3NxWmlaU3RYeHVZczlOMG1EUzZ5bTN5dWRkVGlGZWY3dlNtVTNWQkFGekh3X0lCLWZLa0JnMEY5QlBCODJKMlRSczBkbGZJZWp6b2Y0WVlNQmZrOWloa0xlZ1d30gGrAUFVX3lxTE9PN05BOWI1YlkzelczWUlZTlZ6cnhhWS1mbUdiRnAtRFFSUkN3aTdjQW1YNHZJLWJ6czRXWE5KbjRPdmduVnBlUld5SUtBLTR0RFFuZVVwOWVLanBEUGZBUHBvNkhZcVpqN3BrNmtsNnR5WDFlUW1DN1J3RkdvNUNPaFZKNkkwX1l5eUJwaWoweFpBNHBoYXBxQWNReEYzR1A4SzFMUGd0VWI5Zw?oc=5) · CNBC
- 2023-04-10 [BAC Community Bank Robbed Monday in Antioch - Contra Costa News](https://news.google.com/rss/articles/CBMihwFBVV95cUxNN01wYUIxall3SkhGOENJcE85X2toVDlySFl6REMwdHBqUGc2TXZsd0YyOWhBUkFUdXJrWjh1eWJFLVV4RlBsQzI1TW5BWE5mZE1yajBkN0t5ZWd0QTJxQ2VIeExUS0FBd3kwQVhpT2FOSlluT2o3dW5GRXZDRXZuSm1UWWtITk0?oc=5) · Contra Costa News
- 2018-10-29 [BAC Community bank honored - thepress.net](https://news.google.com/rss/articles/CBMixwFBVV95cUxOWGxaemxZZEVUeE4yYUY5enJoTDEyMU1XVUt6dXlEUzV2ejhhQzIwcndicFhqeGU0UVo1aW5lOUdDT0x1NGthR250UTRNVVhFUmQyblRvN1k4YllqMHQtbER6MWRPeGVPVC1GMldwY1NVVlJJdTJNV0ZGWE91UjFtRy1wLWx1SmxWMm9oY2pjNTdHcGhWMmdsN19RYjBkZ0lyOXN1TUY1ZWRZVDRYSVNZMlEycDB1R2g0SlFBdm5KNlRUS2dWbDNF?oc=5) · thepress.net
- 2023-02-04 [BAC Community Bank announces expansion to executive team - Antioch Herald](https://news.google.com/rss/articles/CBMilgFBVV95cUxOY2Z2NmJOdmJEVXliem5VSmE0OFBFbWlwMTExVG5CLVlhem53WnAwQURaMlZvRk15VXU2SVZuUVBXNkh4RmFRSXAtVTVWaUpGRkZzX0RONWRjOVB3TWs5QlFTTURGVXVWaW5BYVplN2otS280d2dNV01nWGRiWmJuMjVqazhfQUZOWVV4U1p6VWdleGV6QWc?oc=5) · Antioch Herald
- 2023-07-31 [Jerry Marquez promoted to Relationship Manager at BAC Community Bank - Contra Costa Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxQLVIyeGNEeEFiYVRUbzI5el9rZUl6MnRieDdpNWpPdDF6NS1qWWhjajg5ZkkyMEtQdXZLcm13MmJrS3pnSXhJUnFfR2Q0a3IyQU03ZzR2RlpSc3dJWFhHTmNoMzgtbmpJaGNtNkp4cWFrTk43WTI1STU1aUM3c28wRkZNVW11RDdnTDgzVTUzcjV5WkpYeFo1WHh0RHFxTXds?oc=5) · Contra Costa Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19434 (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/42.json (key "19434", 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