# NARA BANK
LOS ANGELES, CA · FDIC certificate 27530 · asset band $1-10B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $3.01B | |
| Deposits | $2.27B | |
| Loans and leases | $2.30B | |
| Total equity | $412.5M | |
| Loans / deposits | 98.48% (p88 of band) | 78.45% |
| Liquid assets / assets | 20.96% (p26 of band) | |
| Uninsured deposits / deposits | 25.32% (p73 of band) | 17.60% |
| Brokered deposits | 4.43% | |
| Wholesale funding | 14.41% (p71 of band) | |
| FHLB advances / assets | 9.96% | |
| Tier 1 leverage | 13.26% (p89 of band) | 9.43% |
| Unrealized securities loss / equity | 2.58% (p39 of band) | 4.11% |
| AOCI / equity | 0.97% (p42 of band) | |
| ROA (annualized) | 1.13% (p75 of band) | 0.76% |
| Net interest margin | 4.33% (p84 of band) | 3.68% |
| Efficiency ratio | 44.54% (p10 of band) | |
| Noncurrent loans | 1.45% (p31 of band) | 2.39% |
| Net charge-offs (annualized) | 0.95% (p78 of band) | |
| Reserve coverage of noncurrent | 179.62% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 13.22% (p23 of band) | |
| Auto loans | $18,000 (0.00% of loans; DQ 44.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p40 of band) | |
| Deposits YoY | – | |
| Employees | 377 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |

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

- 2018-01-25 [OCC Announces 16 New Enforcement Actions and Two Terminations - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE9yRU9ucW9KbDBjeC16WGw4bVl2YW1RU1hWM3NQcHlPTHJraXVDMndVYXV6YlpvNWdKOXFmcGFOeFNtQkgxelpab0RPRTBKWlZhVmU4QUUtOGhrQ1RqbW9vZEx4NG1MOU8yUlBCWWhkTDFRWUVyYmE1TkU2QXBJQQ?oc=5) · occ.gov
- 2025-02-17 [Q+A: Hanmi Grows Assets, South Korea Office - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbVBKaGExNUt4RWcxM3p3MS1WekdlLXV3LVRrYWNqc21hWllsbmhWcFd0TTZmSW9VWF91cmJ2cUktYXN4NmE5NktaOV9lcUQ3d0p2WDdjeWZpUFMxWDdBNml6TTVQMzMzRW5iV1RwOWJmX0dvT3h4ejJUMDhieEdTQk9ZVHVRaHM?oc=5) · Los Angeles Business Journal
- 2011-05-02 [USDOJ: US Attorney's Office - CENTRAL DISTRICT OF CALIFORNIA - 061 - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE4xMmhlLVQwQmxhTWloclJBNUJscUxmaUFMZDluTmgtZkpDdFNKWFowLTYtdk1JTjJDYkRuVjVWNnJuR1F0ZmIzS3BHNzVudV8tU3hmOWRwbm15b3pXRlZUWUZUWTdUenJYUVp3Vi05RWptdw?oc=5) · Department of Justice (.gov)
- 2025-06-02 [LA500 2025: Kevin Kim - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNRi1OTTZXRWttYnFWTkNDamVWVWFKUTFpM0JiM0NTREJNRndFNXhOTlBnR0ZkSnlIM28tQUpkVUZSX3ZtUjZ3cFB2cy00R21za0N4dm5NZExFYkNBOWdReWRLdVdnclJTYUt1QXdjdjlFVkxTR0JsdjhrRE1kdUswRnRSMUhOSUhVMXZJ?oc=5) · Los Angeles Business Journal
- 2006-02-26 [Banking alliances ease transfer of cash abroad - Korea JoongAng Daily](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMHltbWdhV3p6U1BMb0JkQllES04xNTIwcXZITzZmTGlzeDhTVXJhclFPMFZpTXFCMy1sWkZkNHkzTVlrSTk1NFQwa3ZzLU9ocEszcmU5VWFFSXVfMHQzVEp5aUtiU09CZlZaWTgxYUJ0MURJTDU4d05xLWVFUXY4cnQtS2hiSEZPaEQzckViUl9tSG9lM056bGVHR2ZlcVhw?oc=5) · Korea JoongAng Daily
- 2024-10-17 [Ups and downs of Korean-American community in LA - The Korea Daily](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdzltVW5XNXZ4WEpvTUhwOFBhWFc3YVphWUxRZUpkMEZmT1RUMDFyUDFVVkh3QlJ4VDZzVzduMGhpSXltMDIxZkdkcGJfNWpZclVkV2lkbTF2amE4UVA5eTVSaGZQeTI2S2E5cmoxLWl4VHZYcGlCZDVtWUR1ZXNWeg?oc=5) · The Korea Daily
- 2018-03-23 [Hope’s Guiding Hand: CEO of ‘Super-Regional’ Bank Likes Outlook for Korean-American Market - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE0xemZQdE5kTDVEemRmQmljX1VKcWNlVnpyZFVwVzZETXBCZWdSUEtkcDNrUFplVWRucW5CV3V5REFXaDd0QkU0V2l3VGJvV1ZzUlFTQ2pJQllhYlZmenVHLVByV2w1VTVZYXVrYTFoR2pFYWhNQXVoOQ?oc=5) · Los Angeles Business Journal
- 2019-04-03 [Hanmi Bank Names Bonita Lee as New CEO and President to Replace C.G. Kum - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcXAzNjBuQjRBNmRqVGV1UXVhOGhnblRUa0h4WHlNUktVdkxJNFF5c1hKUzV0XzV5Q1VEblZLTlRsajZnaGZhN21OOURhWVlRTzZFc21ZYUUwUzREM1licjh2bkhqVl9pZ2k3VThEa0NRTVlhbzVXc3d4ODA2ZDJ2Xzk1RUVac3hEeUVaTThNSm51dw?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27530 (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/10.json (key "27530", 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