# BOREL PRIVATE BANK&TRUST CO
SAN MATEO, CA · FDIC certificate 23092 · asset band $1-10B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $1.52B | |
| Deposits | $1.34B | |
| Loans and leases | $1.21B | |
| Total equity | $125.9M | |
| Loans / deposits | 87.01% (p71 of band) | 79.40% |
| Liquid assets / assets | 18.45% (p18 of band) | |
| Uninsured deposits / deposits | 32.71% (p84 of band) | 17.70% |
| Brokered deposits | 1.38% | |
| Wholesale funding | 4.67% (p24 of band) | |
| FHLB advances / assets | 3.29% | |
| Tier 1 leverage | 7.47% (p17 of band) | 9.08% |
| Unrealized securities loss / equity | 0.31% (p36 of band) | 1.08% |
| AOCI / equity | -0.04% (p38 of band) | |
| ROA (annualized) | -0.85% (p7 of band) | 0.68% |
| Net interest margin | 4.02% (p73 of band) | 3.63% |
| Efficiency ratio | 70.52% (p63 of band) | |
| Noncurrent loans | 5.52% (p78 of band) | 2.65% |
| Net charge-offs (annualized) | 2.86% (p96 of band) | |
| Reserve coverage of noncurrent | 68.41% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 31.96% (p41 of band) | |
| Auto loans | $111,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 201 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23092 (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/52.json (key "23092", 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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