# SANTA LUCIA BANK
ATASCADERO, CA · FDIC certificate 26418 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $232.3M | |
| Deposits | $218.1M | |
| Loans and leases | $151.4M | |
| Total equity | $12.4M | |
| Loans / deposits | 65.09% (p37 of band) | 71.39% |
| Liquid assets / assets | 30.91% (p45 of band) | |
| Uninsured deposits / deposits | 3.84% (p23 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.09% (p3 of band) | 9.99% |
| Unrealized securities loss / equity | 2.51% (p40 of band) | 3.72% |
| AOCI / equity | 5.28% (p80 of band) | |
| ROA (annualized) | -0.38% (p11 of band) | 0.72% |
| Net interest margin | 4.18% (p69 of band) | 3.86% |
| Efficiency ratio | 99.99% (p90 of band) | |
| Noncurrent loans | 12.95% (p98 of band) | 1.48% |
| Net charge-offs (annualized) | 1.13% (p91 of band) | |
| Reserve coverage of noncurrent | 48.31% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 191.96% (p98 of band) | |
| Auto loans | $65,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 74 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  |  |
| 2011-09 | 6 |  | leverage <5% |

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

- 2023-02-09 [New Report to Congress Highlights Exciting Deep-Sea Coral and Sponge Discoveries - NOAA Fisheries (.gov)](https://news.google.com/rss/articles/CBMivwFBVV95cUxPbk10eWt1OGNrSmVDN0pkalpCc2Z2d05WbnBQT3JHeG9UdWxISC1mR3FsNmNpOUdGU21VZGc2THZRNkQxVjBoUlNNMkthSE9vZlN3eV9nVjJqTnpoYXBCWnc0M1JoUm82SEVscGo2UWQ3dUc4T1pFZ0hVa0xvc0tEUWRfUUk3OURVeXFmNlVyaGJma1dmR1ZIUHZtWEJFVHNnZFlkSmk1TkhSQ2ZEZVlGU0pfaXg0ZkFVcnhRcm5vbw?oc=5) · NOAA Fisheries (.gov)
- 2011-05-19 [Santa Lucia Bank facing regulatory deadlines - Cal Coast News](https://news.google.com/rss/articles/CBMihAFBVV95cUxPX3gtMlBPYVFFMlFkQXZhUV9aMmxHTHROLXJLaFRfYzA5R3R1VVdlVTgyeFRILTI5U3hKSnhCYzZfRWVIb2RDNTV3Sm9zY0V0WlQ3ZUdBb2hqaW8xY0ROaHF1Z3dwaUI1NG1CZnoxd2lIcTNxRXhIa2x2d0ZmVVVLX0tUN0Q?oc=5) · Cal Coast News
- 2021-11-10 [NOAA looks to a new marine sanctuary off California - National Fisherman](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdVBMSjJ4aU5McDA4N2VjWnBkaldueWRvdU9FV2pjNVJZU0dXMDU4dXgyQzJNaHRBd055STRxaUZNU3RaeVRycDVpcGhSczBDNGdWZFFieWJRRkV3MWVKQXRMOXRreHljUEZHV3d5N2dBWHZzQVVqcndLUHpFQklwNkUyQk5LWHZhX3M4NHY2X19kY2RGM1ZiYTFXTXFoWGlyT0NzaGZ6aw?oc=5) · National Fisherman
- 2024-10-11 [NOAA announces final rule for the designation of the Chumash Heritage National Marine Sanctuary - YubaNet](https://news.google.com/rss/articles/CBMixgFBVV95cUxPeno1NWVfcTExQ2pDdXowRDFpVG1SeUV0NnN0Q1NDSEZkaklwV2ZmbnU3czAyemFiUTA5NVRJYTJXT0U4N1FSMlYyQTREUnZTVEVhYWk3cmJ3UU5RZno1SUU3RlZWWFEzMkxWMHp3ODgyX1BGdDdzNVlJdWlXZjhOTkdmRUwzZGZSRkRPVFctcHJOWEpPWTRJV1JSaEVqZ2FzNFFocC04OGRrZ1VXYmp5X1NuaFBwcF9ONERnS3FsbVdVYWM5emc?oc=5) · YubaNet
- 2011-01-18 [Kathy Yeager Obituary (2011) - Flagstaff, AZ - Arizona Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZS1iWExfVkgybzRXWmFlWERmaldKeWZwQ2l5ZUEyUk11T2FPQ3ZyWEVFU2pfS2F3Ml82VFpMdzJPd1g4cHlELWtIXzlMRHR3MWZpVjdJSEQ5SVRNT1dGYl96QUE1ekRHelVkc2pRNDNjV3FNRlhPWThVQzd5M2dseG1LVzlsVGg2X2s3TmxMQQ?oc=5) · legacy.com
- 2021-10-16 [James Cowan Obituary (1958 - 2018) - Eugene, OR - Eugene Register-Guard - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPMWpRX2lURlJMbC1LdlFubndUNnRMM0M3ekwxSGFMUHBVdWYzcFVVRW1WM2c3QzVpTG9FRk9NTGJuSkZWbUZRYjZIUmFEc0ROMXFiV1d4OFlfOXVrT0hxWEVpSEVZNTRhdTYtLXZUWXV5N2NqLVN5aDZlVTNjR2FXMmZzM3hjNGVqRGFDc05kVW81QQ?oc=5) · legacy.com
- 2007-08-31 [Treyvon Russell Obituary (2007) - San Luis Obispo, CA - San Luis Obispo County Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNNjRaVmFsajhVaEQzeVY0TzdMVFNUWkJ4RlRyelZtZFdpZWNPS29sdEhQVW4yMFgyQk5lQUtKczRFMjBSY1ZPZVBsRmQ1dFFfRE04NEIweWRmOXdDdkZlV2R0b3ZoeGhUTlZ1cFJMTFowUk1ZeFhIZ1diNmVfWU90ZW1LcXlIcG5CbjJxd19SdEhSa0hNZThF?oc=5) · legacy.com
- 2007-09-20 [Velta Williamson Obituary (2007) - San Luis Obispo, CA - San Luis Obispo County Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxONXZleThFb0hFUzNyb1BPdzVINjl0X2lOX1pmZUJoR2UtanZBV1h5Z2lKN2pDcHEwTUoxbUg1bjdrV2dLQlBsZmk2bGNJY3FKWThvUXVIb2k2NWVKWTBNOXMwck9GckM4amlDcjU2WGJ3TEpPY0ltWmx0dWZXdUlVSWJPYnk3N1hGZnA5RVZheTQzR202RHdBMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26418 (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/50.json (key "26418", 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