# HCN BANK
RIVERSIDE, CA · FDIC certificate 21606 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $998.4M | |
| Deposits | $846.3M | |
| Loans and leases | $786.7M | |
| Total equity | $114.3M | |
| Loans / deposits | 91.74% (p75 of band) | 82.04% |
| Liquid assets / assets | 19.17% (p29 of band) | |
| Uninsured deposits / deposits | 52.45% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.00% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.70% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -5.42% (p60 of band) | -8.10% |
| AOCI / equity | -1.21% (p18 of band) | |
| ROA (annualized) | 2.22% (p91 of band) | 1.28% |
| Net interest margin | 4.09% (p60 of band) | 3.91% |
| Efficiency ratio | 44.90% (p10 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 1.26% (p5 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits >50% |  |
| 2018-03 | 0 |  | uninsured deposits >50% |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits >50% |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits >50% |
| 2019-06 | 1 | uninsured deposits >50% |  |
| 2019-09 | 0 |  | uninsured deposits >50% |
| 2019-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-06 | 1 | uninsured deposits >50% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | run vulnerability |  |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking, run vulnerability |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | deposits shrinking, assets shrinking |  |
| 2025-09 | 1 |  | deposits shrinking, assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | run vulnerability |  |
| 2026-06 | 2 |  |  |

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

- 2025-11-25 [HCN Bank Announces Expansion Into Palm Springs: A Conversation With Market President Leonard Macias - Palm Springs Tribune](https://news.google.com/rss/articles/CBMizAFBVV95cUxQMWVFcDdIWDJQbDBqdzRsZGNUZ1ZsN0l2M2lVZGZOajhqVEM5N2VLc0FiYVlpY01IQlF6LWY5am44MUgzZ1VHMmU1ZzZXQzZTWUNhblZMOE1NNHlrQmZPZ2J3MUpTSFE4c0ZnVTZQV1hmdG5ZSFBHMVdXVG9JTnotVWhkOENNRXQ0U3cybG52aW5aQ1g5cjdJQ0JSMkVMb1V4b2REUTdoNnlvRVlwTF9FbFRHYU5HeU9JeWR5cVNjdk96TkNNcGxGVTZPVFg?oc=5) · Palm Springs Tribune
- 2025-11-30 [San Jacinto football team falls to La Habra in Division 4 title game - pressenterprise.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRUxfa2oxaThIRVNtMjZhY2RucURPMy0zY2xBTzRfTC1nQzRtTGRqQXBQMGRGZzVZZlY2VllfbHZYckgyYW1oeDBOX0xiY0NlZHpVUjNtVUlSM19iN0o1UC1HMjlOQ1VZT3dLd0QwZ3JPNVdWTGp6emtWcDZuazdhNHgxNDZYYW9ZVTktaW91Q1VVRWo5dGRITm9pZkpheHhWV0NGX1VRWmRiSFo3RmZhb2Jn?oc=5) · pressenterprise.com
- 2024-10-31 [Menifee’s annual State of the City address conducted at the MSJC HCN Bank Stadium - myvalleynews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVXIzaWRGMlBQckZNdVUwZWVqZnlwU0dwOHc2eHE2NThld0pXd3gwTzV4aFUyT01VRmxPSEprekNXUVVaUnVwQlotbWg5aUJPYTQwQnd4dFZ2ZWhHWGprdEJEUzRhclRfRGNaZERHd2dkTFROdGZsVjloODd0c2dwaXUtTlc1X1FFaFNtdkRzQTlzSXV1dmNXcHRnNWNZaVY4OFZlckxBZHhnVnd5TXJEWlFpbXBpdFJxOEExYnNLNA?oc=5) · myvalleynews.com
- 2025-12-04 [La Habra football hopes to add another title in state playoffs - San Gabriel Valley Tribune](https://news.google.com/rss/articles/CBMiowFBVV95cUxPU1ZwRHdhWWliWDRwSllrQjJscnR0SVgyVVp1NTVuLVVzUHVDanJmVGJGMzF5X3ZXSTlrcFB6NktubWplMXJzMDA5YzAtMFQ4clhJRm9JYXJiYkRzWWQ3WUhjLU5aTjZ5aGNsZHhZT1FxbWdFRFhaWGp6b21TYm45LXpNYlVnNk5DejBCYkpDWXliTzBOUGQ4WnJqcndrYnpaMDNn?oc=5) · San Gabriel Valley Tribune
- 2025-11-29 [La Habra football runs past San Jacinto for 8th title with coach Frank Mazzotta - Orange County Register](https://news.google.com/rss/articles/CBMiugFBVV95cUxOLWJQMHFSNTNMNEJ1bEFBbDViSWRnQ3VWT19FQzlxTGp3OElTck1XQUp5S3d4V2VDZTVZQ1NJcGVNdXo4U0xiTm8wVHd5dUZnWmxCOUZtal9wbVpkcEhMclo3RTBvQ2Z3RktkdFR5Q1hHY0dJQVlhT09SVG8tVDBWMjlrTExHUl9sV1R0cTRJLUJuR05mU2owNXJyNkFTTzJDM1lsc0hCbTJ3ektwazhLTlB2c1ZKTUpCRVE?oc=5) · Orange County Register
- 2023-10-06 [$1 million deal with HCN Bank renames Mt. San Jacinto College stadium - pressenterprise.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOazFSSFlsb0J4YTItWVVMelMxbFZQMDh4dXRQczRwU21XOEs1UjI0Zk10bUdoaEE4WWUyLVQxR00tdUxXUFAtNThjUmRFWks1NGI0Q3dnWFNOenhKNExxZ1lnSjVOclE3cHNXbEk4UWJXZF84QThoOU9zNlZjN292dlRDNEM3T3U1MXlWWW8xdEdaVzNGa2V2THBlWGh3cmxXNjFQWWdGeW1xb3E0VlNrQQ?oc=5) · pressenterprise.com
- 2026-08-17 ['Welcome Forum' Brings Together More Than 400 MSJC Student-Athletes As New School Year Beg - Patch](https://news.google.com/rss/articles/CBMitAFBVV95cUxOaUpnZTgtU0JneGxucGtjamJlTjM3Ml9EVEJZWFM5SG1PQTVqWDg0VzlVTkFfT04yNTdoaUZZeHpDWGJwYTdXSHdLOXNoZ3ctb3N6WUtEQlVlV3BsTklsbTN3NnFjR1ZzV2Q4MGdxZXdvQWYyR24yR3BxTjhGMUxfTDA0NzJBek44UUNxU0plQWI1MTdhS21BUjNWNllOeWhwbmNjR1VCUWloRUFEem8tbllnYTQ?oc=5) · Patch
- 2025-12-04 [CIF SoCal Regional finals: La Habra vs. Bakersfield Christian, Division 2-AA - Orange County Register](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMEVtZTUzWTltaldQV3h0VGRfOXJoYUh4T0FHZklIRGkzR2VWTTROWWFXU3JidTNiRGhrZEJRNDR2ZXVEbUx3eHI1Tk5sWDVTcjd1OW9oZXlJeUZkdFZpV2ZydnhpX0RLaTlIVlBBLVhkNm5vXy1HdUNXT3djUGlXaEwzYUtYOWx2QnFFV1daMTFvdWlhSjhuTjBCRkxzRjhkSTVKeVJPUG1QNmFCcUE?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21606 (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/38.json (key "21606", 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