# AMERICA CALIFORNIA BANK
SAN FRANCISCO, CA · FDIC certificate 20726 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $127.3M | |
| Deposits | $92.7M | |
| Loans and leases | $95.0M | |
| Total equity | $18.1M | |
| Loans / deposits | 99.72% (p92 of band) | 72.67% |
| Liquid assets / assets | 22.83% (p28 of band) | |
| Uninsured deposits / deposits | 39.06% (p97 of band) | 13.36% |
| Brokered deposits | 2.06% | |
| Wholesale funding | 14.08% (p90 of band) | |
| FHLB advances / assets | 12.02% | |
| Tier 1 leverage | 12.95% (p77 of band) | 10.53% |
| Unrealized securities loss / equity | 0.02% (p43 of band) | 0.18% |
| AOCI / equity | 0.00% (p69 of band) | |
| ROA (annualized) | 0.34% (p18 of band) | 0.82% |
| Net interest margin | 3.50% (p44 of band) | 3.60% |
| Efficiency ratio | 82.26% (p72 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.74% |
| Net charge-offs (annualized) | -0.03% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 95% | |
| Construction % of loans | 37.03% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.0% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | charge-offs p90 |
| 2011-09 | 3 |  | losing money, expense ratio p90 |
| 2011-12 | 5 | capital falling, losing money |  |
| 2012-03 | 4 |  | brokered >10% |
| 2012-06 | 2 |  | capital falling, losing money |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 4 | noncurrent p90, deposits shrinking, assets shrinking | wholesale funding >15%, charge-offs p90 |
| 2013-09 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 2 | assets shrinking |  |

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

- 2016-10-24 [First National Bank of Northern California Reports Third Quarter 2016 Earnings of $0.52 Per Diluted Share - GlobeNewswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxQLThyYU5qVGFVelc3YVpmYUREZ3lYN1pCWkduLThweGRXUHBXZTcwdkxlX3ctR1MzQmp1aWk1d1J5cllnaWhrY3NsaU9yaXcwbXhLTzE3dWJ2My1FSWVYa0dyZVdKS2hudklLOHY4Y2RMX1MtbldPUlg1V1FPZHBabnc1M19PSW5VWXlwWC1jaGdLSFc5MWUtUUUwNEU2NzItdzNlYTM1NVY0YnlQZDliT2w3ekNCVDdTaFZHaWRlQ2RXLTNRWFNVUlczUTFLVFNnVlMwcDZEY3FMLUljNVlENEk4V1FXVUxncGZ4VXBtaHFNZlhqcFgza25xd0tLX0ZJNVRYM1Nfbw?oc=5) · GlobeNewswire
- 2010-04-11 [Burchard Thomsen Obituary (2010) - San Francisco, CA - San Francisco Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxQNDdEV2JOMEROTnkyOE03LVB3bHVHZXdoRU5NYVRucGI2OG5IZTJ5Nkt2ZkpkcjdmTVpuLThRbzhJbTlud2pndWRXY2cxQm1Sc1hPTi1nR0gxYmhfX1MxNTZYTGpaNUUyU2pwM29TU1JZRjU3WS1YRlZ5azFLY2lybjhGVjY0SmVQTmdvS2Nybw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20726 (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/54.json (key "20726", 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.

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