# CIRCLE BANK
NOVATO, CA · FDIC certificate 32743 · asset band $300M-1B · latest filing 2012-09 · 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 | $326.5M | |
| Deposits | $246.6M | |
| Loans and leases | $260.0M | |
| Total equity | $25.3M | |
| Loans / deposits | 103.77% (p95 of band) | 75.94% |
| Liquid assets / assets | 16.84% (p16 of band) | |
| Uninsured deposits / deposits | 10.70% (p41 of band) | 12.76% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 16.35% (p87 of band) | |
| FHLB advances / assets | 16.23% | |
| Tier 1 leverage | 7.77% (p10 of band) | 9.72% |
| Unrealized securities loss / equity | 0.13% (p8 of band) | 4.38% |
| AOCI / equity | 0.01% (p24 of band) | |
| ROA (annualized) | 0.68% (p38 of band) | 0.85% |
| Net interest margin | 4.73% (p94 of band) | 3.69% |
| Efficiency ratio | 73.97% (p67 of band) | |
| Noncurrent loans | 1.07% (p31 of band) | 1.75% |
| Net charge-offs (annualized) | 0.10% (p38 of band) | |
| Reserve coverage of noncurrent | 147.92% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 5.54% (p12 of band) | |
| Auto loans | $15,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |

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

- 2012-08-30 [Circle Bank Sold to Oregon-Based Umpqua Bank - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNFVQdkpWMDYxSWVDSE5jLUk2OXhXckhwVWZJZ3pvYlBHQ1JTemVOVTNEMXNMSnUtQ29WWG1mZXRhTDhCYWhtY1RVcDRGaDdINmxJd3dhSWlFaFZ3UFhSN1M5RHQyM3VCNFpvQzBScG9wMkQzaDlGT1hDQjVSenNnd3NjdHNRdlZnRXc1dHFnUkp3TFVzb0k0?oc=5) · Patch
- 2010-12-05 [Kim Kaselionis, CEO of Circle Bank - SFGATE](https://news.google.com/rss/articles/CBMingFBVV95cUxPQWlndUh6MUxBYkp0SW91MldPSVpGNmM0YllzMGtYSlY3OHd6SHFrdFp4RE56d1BiMUpWV1dZSEgzUVVYczVxR3BRS1JTaWlYWUtjTldwMUNTNHl4b1VCRF9aR0xNRFd1NXBVY0RhMEQ0N21XUTlPTUNmeUNaMDBZYURxaWtJeXJnQXM1ajVIVTF6STZmYmhxQVFCWUpPZw?oc=5) · SFGATE
- 2013-09-11 [Umpqua’s Sterling purchase expands North Bay footprint - The Press Democrat](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMEFwd3BCZS0tVkRsOUdCblZlaGdnTFg5bWJjM19uNXdtTUdHS0JyQ3pGV0NJZzM4bmtaVGh2cVhJZ0czUVNxZ21fR0lPeXZhZ3oyc21hVzhKUWJDdDFJVjl4QTV5MExHbFdwM0o2b2N4ajVWZmFoOVQzeTl3X0pXRDNySHJfaFZBNE1DM3p0QmF3cUdxNU1BWFJIdC1YWmxBTExDU3ZySl9wS2RwOENDdDZPUjUzaFk?oc=5) · The Press Democrat
- 2025-04-01 [Umpqua Bank settles investor class action suit for $55M - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeEY2OGN1WnhzRjI2aW9nQ0NXVFliQ2VXMWcycnRfREVfaVlmWHpETlZEMGpkNmdJaEhiM2JkemxpR2xGakpEa0M4Q19PWUxQX0R4LTdLMHd1UHFqbmVZQVBPSWpaNlA5aHlacDlyVWRXNUUwZExBemc1ajNxZXdOdzZQLW10RGNSS0JiQVBxbm1OZGpXTk5NWVFGeUJFcHBj?oc=5) · The Business Journals
- 2022-12-19 [Investors get OK for class action against Umpqua Bank over customer’s Ponzi scheme - oregonlive.com](https://news.google.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?oc=5) · oregonlive.com
- 2024-05-10 [Dorie Young Obituary - Larkspur, CA (1950-2020) - Marin Independent Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBmaS1wYUg2dndiaGlNaGlpV2FTUEFJaHFHTVpvUmg3RzFoZVJzajctODJvY0NZX0IwWWYyTmQtSE9tamkxbDMzc2J6OGxGMy1nZTVtUkxFZ09vN0QxVllPbFJB?oc=5) · Marin Independent Journal
- 2011-04-18 [Circle Bank Names Juanna Collin as Senior VP/Operations - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQWh1VC1GaGlvUEluLTJvemNRZTlVZm5pUGMtMVVucExPOFh0NkJfd2pVZFYtdXlJWFRGc3duLXdwejVldlVXOU1hRVF6ZHdHYVk3Q1lRV3dHQk5PRFZ3ZjRkclhjc3l4M2ZBeVc0TTFMR3lQeUtzSFhrUW5GYW9MTThWRUJ3OURLUzR1MG9tWlRIZExpblYxRFJn?oc=5) · Patch
- 2025-01-31 [Class action against Umpqua Bank over customer’s Ponzi scheme heads to trial next week - oregonlive.com](https://news.google.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?oc=5) · oregonlive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32743 (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/39.json (key "32743", 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