# HERITAGE OAKS BANK
PASO ROBLES, CA · FDIC certificate 24229 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $2.03B | |
| Deposits | $1.67B | |
| Loans and leases | $1.38B | |
| Total equity | $219.3M | |
| Loans / deposits | 81.86% (p39 of band) | 87.83% |
| Liquid assets / assets | 25.85% (p62 of band) | |
| Uninsured deposits / deposits | 23.13% (p44 of band) | 25.51% |
| Brokered deposits | 0.85% | |
| Wholesale funding | 7.19% (p42 of band) | |
| FHLB advances / assets | 6.34% | |
| Tier 1 leverage | 9.54% (p41 of band) | 9.88% |
| Unrealized securities loss / equity | -1.01% (p36 of band) | -0.51% |
| AOCI / equity | 0.36% (p69 of band) | |
| ROA (annualized) | 0.57% (p14 of band) | 0.97% |
| Net interest margin | 3.53% (p56 of band) | 3.44% |
| Efficiency ratio | 75.29% (p83 of band) | |
| Noncurrent loans | 0.54% (p48 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 228.91% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 10.98% (p16 of band) | |
| Auto loans | $1.6M (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 273 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | losing money, expense ratio p90 | capital falling |
| 2014-06 | 1 |  | losing money |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | expense ratio p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |

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

- 2016-12-13 [Heritage Oaks Bank’s Parent Company Being Acquired by Pacific Premier Bancorp - Noozhawk](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZlpYd2EtdnVsOWpmX091amRydmo4MGY3OFQtNlBzeUNPR2lNT0pRYmJZMlRHaFhtanJ1ZjRCd3FtZ2tLck0zeUNKV2ZkMnA0cEpQSXFaUDRZRUExcjJGZkE4SlhPTFJzU205b0NNcURBTmdJbkJlOElUS2t1bFhtTHdPY2dzeFR1S012bjZhdER1OUtJZnl6WnpheDR3OVl0?oc=5) · Noozhawk
- 2020-10-20 [Bank Robber Sentenced to Prison for 25 Years - County of San Luis Obispo (.gov)](https://news.google.com/rss/articles/CBMixwFBVV95cUxObmJLZ3FtdXVHNGR3WmlhZkRXOXJONnZfVS1GQnc2TENlSjFjaHpzclJ2d0IwU1pELTdKZlBUcDZVaWpLNzBWQmpDeDRWMkFMekRFcXlLN1B5V2x5c2phZnJRNXhjSjdtVk1jcFdMaFBDaHQ1Y2RIQTIxbFBxV09rcEVfWE0zWmJOSHVNSUNWeGtQQ05lblR3MFM5eXM1S1BhMEJWQ1ZmQlBJQ2ZYS2F6SG1zRDZCOEthN2xsSU53aUZDRDNta3JV?oc=5) · County of San Luis Obispo (.gov)
- 2022-02-01 [William F. Filippin Named President Of Community West Bank - citybiz.co](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNjZnSW9qbzJia0Z4MnNhNU9OV1kySTl3ZU9RVWZwS3Fab1J2MWdsWVFfUkt4MEtKQ19nZXFXaW9BLXpSWDhCYTJYX3FVd2xFak5nYzVORG1lc1Z4b3o3NGdmcUx0ME12VnFDanVybnMyWGt0SUVsR0FxRjJKcnA3NkNLb1VkN3FWcFVwY1Jscml0VTZkQjVIWTY0blk?oc=5) · citybiz.co
- 2020-11-11 [True Crime Files: Geezer Bandit was no geezer - cbs8.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNazFWVEZwaDZLYk1oNy1zQ2NmNnlSUHBwYVVzZks3QlgxTDg4cVZCOTEwU2NJTi16RkZCQXN1Rm1wMDI4aXZ6MXN6UnlZcXRnYmF1N3NTOHlab3VWSzZiNkRwZTduZXhLdGV1cTh1VnlJaWRYbDFrRXBWRk1nMVJGMVhjQVRRLUw1MFZwX0tzQ3B4Ul9vN2NOY0FxdUNVZGpYbmU5d2cwYk5UX04zcmwwb282bzBuaWw5TVZ4QmJSVW9mcDFiR1E4cmpIbWgxN0tVSGc?oc=5) · cbs8.com
- 2011-06-01 [‘Geezer Bandit’ Strikes Again, Authorities Say - Patch](https://news.google.com/rss/articles/CBMijgFBVV95cUxOVVotTnYwbVRSRTJxUlZEZUFjamxvc3M2Nzk3dlBjbkpVY1FucG8tWGYzSERlUDNtVUo3aDdFVzVlcTA0R1lXMmUwSjloMVVnZU5uYTNTQWZ0LVgxTWdud0VfTWdOZVoxM2xaT3ExdmR2MWRGdU8tbUtSZkoxT1RWaTJ1YlhLQmY1Q1U1LURn?oc=5) · Patch
- 2009-02-04 [EFI victims question attorney’s actions - Cal Coast News](https://news.google.com/rss/articles/CBMifEFVX3lxTE01REltQ2RkRko1YWxxZHltUjZPQzZUdlpQeVBUdTRzUzU2VmRCcVcwVkExeHFpRzB0SHNwVG9Ebl9FWllsT3JRejhJMXl3QmpvLUt6alc0RVN3cVdhVXAtOUNLMVA2aE1YSDBLMWh1N1FQX2RPQmtPelcwajU?oc=5) · Cal Coast News
- 2011-11-16 [Theresa Robertson Obituary (2011) - San Luis Obispo, CA - San Luis Obispo County Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxOcUNjdG9yZHhSTm5TMHNsMjdhWElIV3VxNzVoMHRDZVhhQ0IxSW5xczdJaG1UVzN6QVRBZlpORHlteDZVbE41MEc1TlJlYWNOUXVrVTc4SmY0ek9SVXVPSHhyX2JEbzR0YkFCZW96cDQ4c3o2dkNNV2thQmFKNTYtaE9pSjFoaVVKYUtIYWxmS3RLNGw1R2hwdGZn?oc=5) · Legacy obituary
- 2016-09-22 [Ole Viborg Obituary - Paso Robles, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSm1tQXI2RzFMdkJKTXZ5d2V5eXR1SGUtUHdTSW1XV3FZYXk3NlFobXhBWGdCMlBYZTdSVTJkLUx2bWZDd2xuQzRIX3N5S0ZDYzh3cHF2QzFwVEFtbEo3X1VnLV9uTHhvM1RKRUdhd0dETnhmakNDbzhCUEtnMEpxUG93?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24229 (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/37.json (key "24229", 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