# BANK OF WHITTIER NA
WHITTIER, CA · FDIC certificate 24211 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $152.6M | |
| Deposits | $125.2M | |
| Loans and leases | $86.7M | |
| Total equity | $25.5M | |
| Loans / deposits | 67.27% (p40 of band) | 73.59% |
| Liquid assets / assets | 40.87% (p64 of band) | |
| Uninsured deposits / deposits | 21.11% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.38% (p83 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.69% (p25 of band) | 1.17% |
| Net interest margin | 2.45% (p4 of band) | 3.93% |
| Efficiency ratio | 63.92% (p45 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $825,000 (0.95% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.4% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | brokered >10%, losing money, expense ratio p90 |
| 2011-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 |  | expense ratio p90, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | capital falling, charge-offs p90 |  |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 2 | expense ratio p90 | capital falling |
| 2014-06 | 1 |  | expense ratio p90 |
| 2014-09 | 3 | deposits shrinking, assets shrinking |  |
| 2014-12 | 2 |  | NIM <2.5% |
| 2015-03 | 2 | expense ratio p90, NIM <2.5% | deposits shrinking, assets shrinking |
| 2015-06 | 2 | capital falling | expense ratio p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | losing money, deposits shrinking, assets shrinking |
| 2016-09 | 2 | capital falling | expense ratio p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 3 |  | uninsured deposits leaving |
| 2018-03 | 1 | uninsured deposits leaving | NIM <2.5%, deposits shrinking, assets shrinking |
| 2018-06 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2018-09 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-06 | 4 | losing money, expense ratio p90, NIM <2.5% | uninsured deposits leaving |
| 2019-09 | 2 |  | losing money, expense ratio p90 |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 2 | capital falling | losing money, expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | deposits shrinking, assets shrinking |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | uninsured deposits leaving |  |

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

- 2026-05-28 [University Bancorp Receives All Regulatory Approvals for Acquisition of Greater Pacific Bancshares & its Subsidiary Bank of Whittier, N.A. - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQbXdIaHo0RjFkNkotYkRYbWRNSUZtY0QyM3hFQ3ZSLXZzal9hWUdPQlkzUUs4NVRVdEFwM3VscDR5YkhOZ2hUOXVqUE9NdmtpckU1RWdhcU5WcjZ0YU1sWk9kekhZUU1UQnQzWDBYQVZnVkZ3VDlRR01qMmx5a1ZpMDd0RVZ0dFd1U2Z3U1NDSUcyMkswQ0tlRGFGZENTRTVQVjk2UUZCbHVmbDJQZEl1TUh3QXBQRzJ3a3lfcWItSHZ1TDFyYUd6d3hXbHA0SVFzUHVScTYyU1J4eTlSNHVGckRzeks?oc=5) · ACCESS Newswire
- 2026-09-03 [University Bancorp 2Q2026 Net Income $2,350,713, $0.45 Per Share - Value The Markets](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV2xfT2R5eDFuNGlBSUk2UXVJYTk4d1VpS2FUNmh4ODBXemtNenNfYUtJX2FHaDhBWHVsWkdqMUhjN2lwUGMxYUZqakt6MUhaLWNUSlB2R2p0VXNXOG51UDJINWlrZElVdTNucEJVWmNXR085YUt6dlJtT1ZsendNLXlNdFNOYTF6MXlyenI2RjJHeW96SkVvbnlldU9KZ2s0cm5XaTBLYmdHZw?oc=5) · Value The Markets
- 2026-07-30 [Sam Westrop’s Testimony Before the Texas House Committee on Homeland Security, Public Safety & Veterans’ Affairs | Sharia Finance in Texas - Texas Public Policy Foundation](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPZTFfMGdUQ25va2RCdGVTeVhyTWdYakIyb3FmTEhWWHhxZWZaNTJIaUhuNHhHQjAtWkh3T1pLVmtqcTFMU0Z4RnJUTHB4YnotWjhSdHFhc2hUOWd6c0dkeVVTV3BMZzVrVlNueENiNnNWdWd4dm9kM1QtRTFsUXlCTVZHR2tRbzBuNjNUOUlmSld1ODJvV0s4eWRGVU9sS0xYcHZvV0czSDBYX2kwaTVjV29SOFBWN0d3V0g0blp4eXdYYlRvaHNOZ0VJZjEzeEFoR2dncHZmM0UwcURGR0tXaVk3UGhhYW9vN3FuVW1sdVBkdw?oc=5) · Texas Public Policy Foundation
- 2026-01-12 [UniBank CEO Michael Welch to step down in June - Yahoo Finance](https://news.google.com/rss/articles/CBMiggFBVV95cUxOSm9Na2swYTlkeWtTMWhvMHVob3hJVzlabUxoZFp1NzlidzNUSUFYYjJuTGxwVEJBaFR2Y1VHOWJjc0lIUkRiQS1pWWNYamp0cWV2SmM5R1V5d1VQbkdOOTkwQWdmc1J6VkZJYlA2NHJra25PUDFnLUkzRWJqUm5MTFNn?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24211 (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/19.json (key "24211", 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