# BORREGO SPRINGS BANK NA
LA MESA, CA · FDIC certificate 24080 · asset band <$300M · latest filing 2012-12 · 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 | $141.7M | |
| Deposits | $121.1M | |
| Loans and leases | $100.7M | |
| Total equity | $16.0M | |
| Loans / deposits | 80.10% (p73 of band) | 68.02% |
| Liquid assets / assets | 11.85% (p4 of band) | |
| Uninsured deposits / deposits | 9.15% (p52 of band) | 8.86% |
| Brokered deposits | 12.35% | |
| Wholesale funding | 13.40% (p91 of band) | |
| FHLB advances / assets | 1.05% | |
| Tier 1 leverage | 10.38% (p55 of band) | 10.05% |
| Unrealized securities loss / equity | 0.00% (p8 of band) | 3.01% |
| AOCI / equity | 0.00% (p47 of band) | |
| ROA (annualized) | 0.67% (p44 of band) | 0.76% |
| Net interest margin | 4.93% (p94 of band) | 3.75% |
| Efficiency ratio | 81.79% (p68 of band) | |
| Noncurrent loans | 14.23% (p99 of band) | 1.21% |
| Net charge-offs (annualized) | 0.94% (p93 of band) | |
| Reserve coverage of noncurrent | 25.67% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 21.11% (p58 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 | 5.4% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **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 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | wholesale funding >15% |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | losing money, uninsured deposits leaving |  |
| 2012-06 | 5 |  | uninsured deposits leaving |
| 2012-09 | 4 |  | losing money |
| 2012-12 | 4 |  |  |

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

- 2023-11-16 [Pechanga Tribal Chairman Mark Macarro Elected President of NCAI - Native News Online](https://news.google.com/rss/articles/CBMimAFBVV95cUxOVmFGOFkwRlpLVkZoVW11RTVnTEo0WXZtaUhjUmxwTWtDV2taVHJURlItV3l2ZjlQeVBHZjJNUUlTU1JWUkVvaHgzaXR2U1dxRUpjSkdRYU5sVVdSYlBQQUVXeVB4RkVfSnlmbzNNUFUwdGlQVFAwZUJTUHhKal8xeE1mR3N2VXFuTXpNWkZSOUstM0FGQzZIQg?oc=5) · Native News Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24080 (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/16.json (key "24080", 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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