# TUSTIN COMMUNITY BANK
TUSTIN, CA · FDIC certificate 32908 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $86.5M | |
| Deposits | $69.5M | |
| Loans and leases | $70.3M | |
| Total equity | $13.3M | |
| Loans / deposits | 98.03% (p89 of band) | 73.59% |
| Liquid assets / assets | 14.02% (p9 of band) | |
| Uninsured deposits / deposits | 33.63% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.47% (p66 of band) | |
| FHLB advances / assets | 3.47% | |
| Tier 1 leverage | 15.46% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 5.99% (p98 of band) | 3.93% |
| Efficiency ratio | 74.51% (p70 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.31% (p95 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 21.86% (p56 of band) | |
| Auto loans | $28.5M (40.62% of loans; DQ 0.16%, NCO 0.31%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 2 | loans exceed deposits |  |
| 2011-09 | 1 |  | loans exceed deposits |
| 2011-12 | 2 | loans exceed deposits |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2012-06 | 1 | loans exceed deposits | auto book souring, deposits shrinking, assets shrinking |
| 2012-09 | 2 | auto book souring |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 | charge-offs p90 | loans exceed deposits, capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 | loans exceed deposits | capital falling |
| 2016-03 | 2 |  | loans exceed deposits |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 | capital falling | loans exceed deposits |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | deposits shrinking, assets shrinking |  |
| 2017-12 | 4 | loans exceed deposits | assets shrinking |
| 2018-03 | 2 |  | deposits shrinking, loans exceed deposits |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 4 | assets shrinking | uninsured deposits leaving |
| 2019-12 | 3 |  | assets shrinking |
| 2020-03 | 6 | capital falling, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 5 | loans exceed deposits, capital falling | assets shrinking |
| 2024-09 | 3 |  | deposits shrinking, loans exceed deposits |
| 2024-12 | 5 | loans exceed deposits, uninsured deposits leaving |  |
| 2025-03 | 2 |  | capital falling, loans exceed deposits, uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2015-08-04 [Bank CEO earns medals at OC Fair for winemaking - Orange County Register](https://news.google.com/rss/articles/CBMijwFBVV95cUxOUUw4ZTBSeVh4c09PMFJuRmdSd2VQTTM0emZSV3VRUWdHSlJMRHJoQlFxa2VBalotb3l2WXFqZzBXLTdremtSRVo4R2cwQkZxazZ4YmhLLUwxZVZzMkRiRURWUFIxUW5vMDZNT2w4c3F4eEF1UldZRWpOVkV5T3pGVk90VlpELVZ2Y2VhOHdGUQ?oc=5) · Orange County Register
- 2017-12-28 [Industrial Loan Companies/Banks and the Separation of Banking and Commerce: Legislative and Regulatory Perspectives - everycrsreport.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1ONzVINWtfNnlIbVhDeE1PNG9mUkNLTDhKOWxBRS1ONUlSZ0pSUUdReGppSEdKeERIVVdIemFBQzBsTFRFTGFGX09tLUFBZlBjRWhpVDMwWlBmUmxnS0VNZA?oc=5) · everycrsreport.com
- 2024-03-24 [Margaret Pottenger Obituary - Orange County Register](https://news.google.com/rss/articles/CBMidkFVX3lxTE5HYWstR2hPT2ZTNEFxdEdrdEZ1a21EOGNEUEhTR2VpbDJrcTZTaUlIclBvQ2hGWXIxaHpLUko1MVJZMlZJZF9iWWxLeFpfZm5NWUxRLXZkN0xGUXRxQXZlQU1iTEtlaXlGLU56ZXVMc2R4QlE3bUE?oc=5) · Orange County Register
- 2021-12-13 [Status Update: Kolache Factory expands to Huntington Beach; Second Harvest Food Bank taps new CEO - Orange County Register](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSmVYbFhGU2UwRFpxcnlQOS1FVWlLZTJKR2F1a2ZuNVp4aXlhNF9oRUVzZlRoZXViM0V2VF82UnVyaTIxU2VUWVRLaGlHWk01Q1R1OFE4SUl3VjFlYWM2OGw5b3pwU2tjWWdIaUpSaUhJYmpKbHQ0UHlwMmljZDVtdUhNVkFtRHZHNnh5dGpDbmRfWHpJV3Y2LUtNVDF2NXZMV2JGMjRCaHA0UUZQdEhfVExQZ3I5NnJINUhQUHlGWmEtZXdjbzQwb3FNZk9Wbjg?oc=5) · Orange County Register
- 2013-03-14 [Hoover joins Amber Property Management - Orange County Register](https://news.google.com/rss/articles/CBMigwFBVV95cUxQNWd5WTJDaGNhZllrNkQyRWhsRk9ramFnQXk3VlhCdnRxdDg4bm5mMXFzbW5CNzFYUnd1TVlZbmNleUFuR1JIeVA1WlUwb2x5Y1V2RFlGRzJxQTE3SERneGY1UExBM19vSXFDNFU0YVVuS3ZDcnc0bFBoTzRfWV9nZEV2MA?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32908 (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/12.json (key "32908", 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