# FULLERTON COMMUNITY BANK FSB
FULLERTON, CA · FDIC certificate 28449 · asset band $300M-1B · latest filing 2011-09 · 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 | $636.3M | |
| Deposits | $474.6M | |
| Loans and leases | $483.4M | |
| Total equity | $62.7M | |
| Loans / deposits | 99.86% (p92 of band) | 77.91% |
| Liquid assets / assets | 19.71% (p23 of band) | |
| Uninsured deposits / deposits | 18.32% (p76 of band) | 12.16% |
| Brokered deposits | 2.00% | |
| Wholesale funding | 17.05% (p84 of band) | |
| FHLB advances / assets | 14.99% | |
| Tier 1 leverage | 9.69% (p55 of band) | 9.49% |
| Unrealized securities loss / equity | -5.26% (p4 of band) | 4.04% |
| AOCI / equity | 0.04% (p15 of band) | |
| ROA (annualized) | 0.38% (p29 of band) | 0.70% |
| Net interest margin | 3.67% (p44 of band) | 3.76% |
| Efficiency ratio | 79.38% (p76 of band) | |
| Noncurrent loans | 2.22% (p52 of band) | 2.16% |
| Net charge-offs (annualized) | 0.43% (p60 of band) | |
| Reserve coverage of noncurrent | 88.43% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 23.90% (p35 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 123 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | loans exceed deposits |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28449 (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/33.json (key "28449", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide