# RABOBANK NATIONAL ASSN
ROSEVILLE, CA · FDIC certificate 23364 · asset band $10-100B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $13.19B | |
| Deposits | $9.81B | |
| Loans and leases | $9.67B | |
| Total equity | $1.78B | |
| Loans / deposits | 98.00% (p78 of band) | 93.15% |
| Liquid assets / assets | 20.78% (p55 of band) | |
| Uninsured deposits / deposits | 37.95% (p63 of band) | 34.26% |
| Brokered deposits | 9.28% | |
| Wholesale funding | 19.71% (p82 of band) | |
| FHLB advances / assets | 10.42% | |
| Tier 1 leverage | 11.57% (p87 of band) | 9.91% |
| Unrealized securities loss / equity | -1.06% (p4 of band) | 0.74% |
| AOCI / equity | 2.12% (p68 of band) | |
| ROA (annualized) | 1.74% (p84 of band) | 1.35% |
| Net interest margin | 3.48% (p47 of band) | 3.52% |
| Efficiency ratio | 52.86% (p47 of band) | |
| Noncurrent loans | 2.53% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 0.57% (p92 of band) | |
| Reserve coverage of noncurrent | 20.55% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 7.83% (p25 of band) | |
| Auto loans | $48,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.1M (0% of equity) (p32 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 1462 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 4 | brokered >10%, wholesale funding >15% | expense ratio p90 |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 4 | noncurrent p90 |  |
| 2014-03 | 5 | expense ratio p90 |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 5 |  | noncurrent p90 |
| 2015-06 | 4 |  | capital falling |
| 2015-09 | 7 | uninsured deposits >50%, losing money, noncurrent p90 |  |
| 2015-12 | 6 |  | noncurrent p90 |
| 2016-03 | 4 | assets shrinking | expense ratio p90, uninsured deposits >50%, losing money |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | expense ratio p90, deposits shrinking | assets shrinking |
| 2016-12 | 6 | noncurrent p90 |  |
| 2017-03 | 6 | uninsured deposits leaving | expense ratio p90 |
| 2017-06 | 5 |  | uninsured deposits leaving |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | losing money, expense ratio p90 | deposits shrinking |
| 2018-03 | 4 |  | losing money, expense ratio p90 |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | charge-offs p90 | brokered >10% |
| 2019-06 | 4 |  |  |

## 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=23364 (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/4.json (key "23364", 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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