# NATIONAL BANK OF CALIFORNIA
LOS ANGELES, CA · FDIC certificate 24108 · asset band $300M-1B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $425.1M | |
| Deposits | $382.7M | |
| Loans and leases | $276.3M | |
| Total equity | $35.6M | |
| Loans / deposits | 70.56% (p27 of band) | 82.54% |
| Liquid assets / assets | 33.43% (p69 of band) | |
| Uninsured deposits / deposits | 59.16% (p99 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.40% (p10 of band) | 10.14% |
| Unrealized securities loss / equity | 0.25% (p21 of band) | 1.64% |
| AOCI / equity | 0.54% (p46 of band) | |
| ROA (annualized) | 0.24% (p5 of band) | 0.90% |
| Net interest margin | 3.29% (p30 of band) | 3.59% |
| Efficiency ratio | 94.03% (p97 of band) | |
| Noncurrent loans | 0.59% (p43 of band) | 0.70% |
| Net charge-offs (annualized) | -0.05% (p8 of band) | |
| Reserve coverage of noncurrent | 381.86% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 40.23% (p54 of band) | |
| Auto loans | $241,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 74 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | leverage <7%, capital falling | reserve under noncurrent |
| 2012-03 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90, leverage <7%, capital falling |
| 2012-06 | 3 | losing money | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2012-09 | 8 | leverage <7%, capital falling, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2012-12 | 5 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 5 |  |  |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 7 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-03 | 4 |  | capital falling, deposits shrinking, assets shrinking |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 | capital falling | reserve under noncurrent |
| 2014-12 | 2 |  | leverage <7%, capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 4 | uninsured deposits >50%, capital falling |  |
| 2015-09 | 5 | leverage <7% |  |
| 2015-12 | 3 |  | capital falling, leverage <7% |
| 2016-03 | 2 |  | losing money |

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

- 2018-05-14 [Commercial Bank of California Goes Private - Orange County Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE9ybE5ZTEFaSFUwTWpVbnRuaVdVbzVYT1FpT0JJWlZpLXB2dl81Z2ZWNFlqZXlDa0pta3gyVHk0UWlHV2Y3OWlQTEVoY2llQ1ctRUdNaDRfbnU3aTRla1FTYi1GU0J2RlNNVjhiYTNZeFM0UXN5U0JFUw?oc=5) · Orange County Business Journal
- 2019-11-04 [International insiders in the US: bankers and legal experts - Screen Daily](https://news.google.com/rss/articles/CBMisAFBVV95cUxPbXROaExuRGlTTE1vbFFSbDBBemtOM0NkRkkxR1ZZTzVfME0ySnNkQkhZM29WcXNGdFBjVVNod3ZGZmNWZVdvQ0h1NUhLcm0zT2N6R090a2RyVWdNNmg1ZVkzNVVkSkpJS0ZuT3V6VUNITVR3SEFTSl9YeklXX1F0bGtYengxWlNWb3Q4NEYtdkhRQ0Q4S3c3QkFxWHM5VFUzVmItQ1gxZTFlMXdDbDFQdg?oc=5) · Screen Daily
- 1994-12-28 [COMPANY NEWS; TAIWAN GROUP BUYS TRANS NATIONAL BANK OF CALIFORNIA (Published 1994) - The New York Times](https://news.google.com/rss/articles/CBMiswFBVV95cUxQd2pWWE1UWVdzTVRjYUFVZ08tdTBRNHIzVzdEZllFc2UyRUN2NmhvVl81Y1RrUFNscXFtOG1wX0F4OEJzeEUwakNZYklEZWtLWEtSQTlUS0ozLVZoRFdLYW4xOFRSelg1LWNMZHFvSmNkSTRsUnNyaHE5UmpLRzBrcHdQR3NNUDhqb2hSV1pENEh4NWo1Y1ozTEwzSVpqMnI1TElnN05tUEtHelBWTFJnWjJaZw?oc=5) · The New York Times
- 2026-01-07 [Top 10 Asian American-Owned Banks - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE1xUlFhQnJic2FTUklRWHZ0U0tuMFJVZV92RjRUZkRCaFI0cmFQWlBUb2U2UzBxX2swYkwtY0RudTNJbXJkVENxYW5WYV93dHp0UVhRbmtDRzlySWJtVDFSaUpPQ2JONDN2QkhGQlBBdWw1OXZWT2pxTl9n?oc=5) · Investopedia
- 2015-09-16 [Envision Media Arts Lands $50 Million Credit Facility For Slate Featuring ‘Waco’ Movie - TheWrap](https://news.google.com/rss/articles/CBMirAFBVV95cUxPMmFHZXpNc1VIYk9BTzk5VkprYnZXQVk1TkFxbm1yaDVJcVRRSzVIS0RCeTV4SzBiMUFHalNWZXpPbWZKLXlsOFJ4Mll0cFpBdDduMXFTNjMxcU8tQVdaVHhCcmVEelVOQ3ppY19GdW9oYXpvT1Z2RTNtNklYSmJlYlh5NGh2Zm9nYXd6MUpZb1p5UXAxUVRkSHc2QW9JOTlVWlY4VDVEQ1RVM3hI?oc=5) · TheWrap
- 2024-08-07 [Donald Hickethier - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMzdJX2RvdXVDWE5rTHlCa1I0VmlaSVlQdk42QkFDLU5MWUhtNmM2MHZnV05hMnBORzJPTlk2cXRCaUZPWnNYMFh5WmNvNkx1RU1kcTR3d3FnRzF5TllMYld6bmtwTm1OQUVYamZTdE9hMDltaFNPZUM3TFhNOTlnVVpxMHNfZw?oc=5) · San Diego Union-Tribune
- 2010-05-30 [Namvar Creditors Block Sale of West L.A. Building - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxNamcwbUxOOWRvQ2NiZ0YtcFIwcHVmVXFYN0FSTE9PeGpGdkVvTExXamdwanIwc3lEMEJrcHFybWQzUHFzSFFRTlg2SG0yWkYtWmhqVE9fWllCSEYwLUNoSWN1V0JydFNkUW9aa1B3RHJ3Z3BOYWRFZkVjNnNpbkIwcUtmMnBZbzJOQkV3SEJQMA?oc=5) · Los Angeles Business Journal
- 2014-07-19 [Donald Hickethier Obituary (1933 - 2014) - San Diego, CA - San Diego Union-Tribune - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNRFNhaTdJd2pLWGVUblhNek90akxtUjBVVVNhbnloLTMzb0R0cVVNVUM4emNybWZGRWo4R1B2MmZlcDhxc0VJS3ZGUkdJTXhKcEdQdGV6VU1abDJTM0t6MFJFbFZGRGYzNWhZOUtaMlFJSFlOMGQ3clRWaWlkdHdva0tzUXRHaG5LTzY0MjlCT3lzVjN6SkJDdDN2UDlTV1ZBN2Rn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24108 (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/44.json (key "24108", 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