# FIRESIDE BANK
PLEASANTON, CA · FDIC certificate 25667 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $25.9M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $16.1M | |
| Loans / deposits | 0.00% (p1 of band) | 70.28% |
| Liquid assets / assets | 79.04% (p97 of band) | |
| Uninsured deposits / deposits | – | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 58.62% (p98 of band) | 9.92% |
| Unrealized securities loss / equity | 1.69% (p37 of band) | 3.23% |
| AOCI / equity | -2.57% (p2 of band) | |
| ROA (annualized) | 4.44% (p99 of band) | 0.69% |
| Net interest margin | 5.79% (p99 of band) | 3.86% |
| Efficiency ratio | 181.62% (p99 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.38% |
| Net charge-offs (annualized) | -6.49% (p0 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO -6.49%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 191 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, expense ratio p90 |  |
| 2011-06 | 2 | liquid assets <10% | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2011-09 | 1 |  | liquid assets <10% |
| 2011-12 | 1 |  |  |

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

- 2026-03-27 [Fireside Bank to Cease Originations, Exits Auto Finance - F&I and Showroom](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdXlhZk9aRGxkV01wbXk1bUQ0OElSN090SzVieHZORDFFSzhKNnZMRmxTbHpudDE3NXFCVXBvTzNWUFFOVlo4Ymg5eEV5NmJGUnBXWUNGdlg4eTNuM3ZYY09SWGgyM0JGcV9mLXZfT1ptTzRFbWZFZlVBX05YbGc0ZlpVWUdoRy1xVWVPTjVSMEI?oc=5) · F&amp;I and Showroom
- 2026-03-14 [Fireside Bank to Cease Originations, Exit Auto Finance - F&I and Showroom](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRThEZVRla0NTT1VDMUtLQ0dpRUE3MWxENHBIVUVQbmp1UjNVd0xaTGFaTENfbUg2azFSUWhmcWZPOEtNa2ZSNVdGQlFEQ0gxamR6YlpQRzF0NkZ3X0JVRkRRUkxLYjdYOUU2NGpyUGVVaDRrMmkySHlyU1RLR0ZnU2l5aDlXQXpBUTB5OFNQQQ?oc=5) · F&amp;I and Showroom
- 2020-03-07 [Consumer Portfolio Services Buys Fireside’s Portfolio - Auto Finance News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOazFrVllZMlpUcVVLYmpjdE5SeVp3S2xORmlfbm1SdG1YeHdLcVJ4UjZSSnNXVmFMM3hURnB5cUpfaEg5TTJIWXVIXy1KTHdmaXBVZjFocVVqX2JLY3cxQVlZSFA0NW9EVWxYR1o5QW1jLUNpNUlGNVNlaFpkOGxqRk0wRmY4QlJzWUVYUXJOX25qZmwtdDFxUkJR?oc=5) · Auto Finance News
- 2006-09-12 [Fireside Bank Chooses Fiserv LeMans Auto Loan Origination Solution - InsideARM](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOVkYtSDJFeDFjN3lwMlJNSTZ4ZGluTFZ6WUpQWTBQTlQ0WlFLZ0lrR0R1eFFxejc0MGloZGtQTlFaR0xSVWhYTWFWck5LVnVqLWJOSmU3Vmc2d1pzeDhYakNRdC1HYVlIUTlXQ0ROQU1vR1hwWGZsTHdDV1RoaWJkWXZhVEhsV0g5?oc=5) · InsideARM
- 2026-03-28 [DIVDAT, Fireside Partner for Walk-Up Kiosk Program - F&I and Showroom](https://news.google.com/rss/articles/CBMiigFBVV95cUxQd044cFd5b3NIS2dkZWphWmNqaU1aSVU2R3dCVFlHeFRHWDdBSkZOSWpwb3FoN3ByX3Z5V0tJLUhoVzd1bFBqb1l4NG9IbGlQYmJhbkxlelVoVFdpMUdhR0ZZNWUxZlBuQUxadVIyck5qSkt6TVFLdnNmdHBSWlJlWFdqM1BaTDVXT3c?oc=5) · F&amp;I and Showroom

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25667 (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/3.json (key "25667", 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