# COMMUNITY BANK
PASADENA, CA · FDIC certificate 24315 · asset band $1-10B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $3.71B | |
| Deposits | $2.86B | |
| Loans and leases | $2.79B | |
| Total equity | $353.9M | |
| Loans / deposits | 95.92% (p67 of band) | 90.60% |
| Liquid assets / assets | 21.57% (p57 of band) | |
| Uninsured deposits / deposits | 69.11% (p98 of band) | 26.16% |
| Brokered deposits | 5.97% | |
| Wholesale funding | 18.49% (p81 of band) | |
| FHLB advances / assets | 12.52% | |
| Tier 1 leverage | 9.88% (p45 of band) | 10.10% |
| Unrealized securities loss / equity | -7.47% (p13 of band) | -2.78% |
| AOCI / equity | -3.41% (p12 of band) | |
| ROA (annualized) | 0.85% (p20 of band) | 1.18% |
| Net interest margin | 3.55% (p46 of band) | 3.62% |
| Efficiency ratio | 61.67% (p49 of band) | |
| Noncurrent loans | 0.38% (p39 of band) | 0.46% |
| Net charge-offs (annualized) | 0.06% (p70 of band) | |
| Reserve coverage of noncurrent | 351.98% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 9.27% (p13 of band) | |
| Auto loans | $72,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 356 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | uninsured deposits >50% |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 2 |  | reserve under noncurrent, capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | wholesale funding >15% |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |

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

- 2026-04-01 [Community West Completes United Security Merger, Forms $5B California Community Bank - National Mortgage Professional](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRjBSbFByYk1WYldDWGNsc3Y4bzJQS2xhMXRZWFNwNzg0NERwSUJOUDBCM21iYUhiN1dQUWJqdEJpZ3cyRElyRmxERWVBZ1FXa3NGZXhBdHRadGxvV3ZQN0N2SXJoc2tZQ3NOWjRvcjdzXzhIbHBvblJkLTc2ekRqRURFUU1HOVpzOUhPeEszMEpEeWUzelZwVFdKTmkzZE5PQkJhR0psTEFTTVh4V1liQmpZdjVrYlBoaEVsZjlPeDJrS2N0RGtZ?oc=5) · National Mortgage Professional
- 2026-07-27 [Washington County community bank plans 11th branch after KeyBank exit - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSDBfa2lmT09XTlVFWC1ReWNWYktfRHdRV0xFcERTYTlUakZzUURXQ3FrNmlWNUNQOERXdkJkYk9yWUpPSENOVWM5bGdzbzZBNlhHRkNoN1VKR1kxeklhNGVTSFVyM25HaFJVWWw4ODZxTlRHS2FxbHBiLVNnNkhTN3d0a0ZFX3ZOdG9ET2pzb0JKUFE?oc=5) · The Business Journals
- 2026-08-25 [The best regional banks in the Bay Area - SFGATE](https://news.google.com/rss/articles/CBMibkFVX3lxTFA1RVVHLTlZWUdkWnFEMHVMYWFvRmxTT1o0Um5taWN2NjgyQUllUld2bGxCTGFIN3l4THlxR0ZPZkh3V2ZpWXF6b0NjdnZyeE5qeGVXSlRCSGNNWGFnUEhnV0pwZFRmOFBpNl9OS3F3?oc=5) · SFGATE
- 2026-07-07 [West Coast Community Bank Opens Full-Service Branch in Downtown San Jose - GlobeNewswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNSGo3c2EzYmFWWGRYQVlDQlhMRFpWT0tyTXpmQTFXSWJxSGhQV0EtcFQ3eE53bmllMllxQkdydXRoVWtCTXhKZGpRN044YnVXVzZuWnJrWWw5OHlJblF1SFQzeEd1ZGNkelQ5aWU3cFhESFJwSEh6LWNydTczS3dxM0JPWkpjVWtpaVBaMVV0b2ZBX2E0MDBNZHU3SUN0ZVVNcXhfMnpOMXNydm1udVVJVVhhaHF2bHdZS0hBLUI3VFdUeHNNVzZvWFZRVTdvVzFfRVlxeTJ5T1FuM0Zf?oc=5) · GlobeNewswire
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2025-09-16 [Rep. Young Kim Bill to Boost Community Banks Passes Out of Committee - Congresswoman Young Kim (.gov)](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYkZEY3BPUWlJSm9nOWx2a3lQNkFnOGNXRWV5Q25oV3VpT29FRmpIbEpjNWE2LVIzdkREd3piTTN2dG1FVEFXMG5CX3hhVy1ZS0w0QVRkd0RCa1EyWGdWcFQyN3I0QWd1SjJwSDVla2gxaS14MHpYcjdJWWhERHJidGh0YUJiV0s0ZzRkZFNZNmQ0dmJxUEkzYUN3U2pzRHN3U244V0lRbzVhUQ?oc=5) · Congresswoman Young Kim (.gov)
- 2026-05-21 [Santa Rosa’s Poppy Bank bets big on branches, aiming for 50 locations - The Press Democrat](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUFhVUjIySzJtUGtHeDlySWsyaWtuRTdtQXJUbkNKXzVwc1gwSnNOaHp6VTNDTi1vVTgxRWN2MWJ5UEZJT29QaWZXRzhES01HQXhfMzJEdHJoQ0lyWVNFRzIyYTl4aFYtZUhDeGxzQzdjdnJNZENNWWFubW9nOUU4MzdB?oc=5) · The Press Democrat
- 2026-01-15 [California’s Taylor Farms Takes Minority Stake in Salinas Valley Community Bank - globalaginvesting.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRVZQTWFneUlZRURxbzRRWVNuRHU1SHVpQWtrN0FvNS1xR1NxVzZ1YlU4bzgtb2Q2RDRXUUFTTmJSVkNIRm1zRXVwRmt5OEY1SkJaYi1YanF6eXlNZVNiSjVxc21rdTZUQ1pNZ1Y1YmVwMnA4WlRaaHk4dmtXdDNKTUp1Vi11LTNtQ3BDUUVxb2xkRGpVMU9ROHNpWk1BcUk0SGRCdDVfZTlKelRoZGc?oc=5) · globalaginvesting.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24315 (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/59.json (key "24315", 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