# AMERICAN SECURITY BANK
NEWPORT BEACH, CA · FDIC certificate 33121 · asset band $300M-1B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $431.2M | |
| Deposits | $375.4M | |
| Loans and leases | $247.2M | |
| Total equity | $55.0M | |
| Loans / deposits | 64.86% (p26 of band) | 77.60% |
| Liquid assets / assets | 38.15% (p72 of band) | |
| Uninsured deposits / deposits | 33.66% (p88 of band) | 18.11% |
| Brokered deposits | 2.53% | |
| Wholesale funding | 2.53% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.59% (p64 of band) | 9.94% |
| Unrealized securities loss / equity | -0.95% (p38 of band) | -0.21% |
| AOCI / equity | 0.65% (p46 of band) | |
| ROA (annualized) | 0.01% (p4 of band) | 0.81% |
| Net interest margin | 3.30% (p31 of band) | 3.57% |
| Efficiency ratio | 98.59% (p96 of band) | |
| Noncurrent loans | 2.61% (p83 of band) | 1.12% |
| Net charge-offs (annualized) | -0.11% (p5 of band) | |
| Reserve coverage of noncurrent | 58.54% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 17.42% (p31 of band) | |
| Auto loans | $4.5M (1.82% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 | expense ratio p90 | deposits shrinking, assets shrinking |

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

- 2026-02-20 [Community West Bancshares Announces Retirement of Board Member Tom L. Dobyns - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPR0t0SWlneVZLRmozekRTMTRtcmp5WHJxOG9Pb0h0aXNzWWExaG5DNmZKUTU0Y1dxTnNSMTRxaWoxdVlwUE03dEMzNnRRWng4M1BTY09kSGJ3VGNrMFpiQ0NaQmUtV3prcTVuWHA1TlpMUkhFc3dHbXlrU296SWZxbHA2X1EtclVhX2t0Y1ltZ1NjcDVVYzRFYnNIZWdSaFJwakNFajNub1U1eXc4WmRtT3NrTDk0U1NoalNQUmFKcDdteXZ1SktjVHBkZUNIZw?oc=5) · Business Wire
- 2021-08-09 [CVB Financial Pays $204 Million for Visalia-Based Sunscrest Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZDlaRjlJZkIzWklkSHRzUzBhdUhSM19PTExha2psN1ZGanpDWjByZ2p2a05aUnFNS2tRZENQcXk1NU9vQW90WGNYODE0ekdRcVJZX0tvZllmY3F1REpSMUtwVTdiY3AtLU5KeER1YjNhT3E0QWYzOFExZUZERXhIRm5ic0QzZ2R1S0E?oc=5) · Los Angeles Business Journal
- 2017-08-01 [San Bernardino gets new small business bank - San Bernardino Sun](https://news.google.com/rss/articles/CBMijAFBVV95cUxQWDJ5aHczRXY2aHYzUnVNdWxudGlrWnhaazBNaVI4c0JpZlA5OW1JV0xwcTl6cTh4Q0xaam9hdzZlZVBYM2dTWG9xU08tZjBPTGlUUlpueFJZM0gwY3RlaTgxUmRwa1dGSWdHc2NjRVlrTjZHSkp6V1pFcHZqMS12WEdId3NPLTJLYzBycQ?oc=5) · San Bernardino Sun
- 1995-05-11 [DOUGLAS LEDWITH DIES AT 46 - The Washington Post](https://news.google.com/rss/articles/CBMivAFBVV95cUxPdk1DSlkwdE5DSE9qWWFqMHFlY0E2Qmc2TnZYRDluZHM2dllRbFc4QkFmUVRlWlBlYUl0SlIzTGUtb1BjTG1mQkpVT1d3bTZ4N01nQTRTNkFBVlhiZ05YTG41N0JXaEVjd3ktUkk2YWRqME1MNTJZTUtzaHBpQ1pWb2JzMDN4a3dDel9jT0ZZUldmSDVmS0FMN1FXZVhvRzhRUjNrazJFMTJCaFBIdHk3LVgtbGt0LWFZNkczQw?oc=5) · The Washington Post
- 2025-02-10 [Hawai‘i’s Top Business Leaders in the 1960s, ’70s and ’80s - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxOT1ljZ25DaWY5YnJ0Uk9NbkxqVXJIYmNBcFNiUU5Ddmx2TlBzTFlRb2dYVmIyN2ZyRF9nLWUzMDA2SVNWNDE4UTg3OTlFcUhOYk5UU1dtZ004MGdlNjJQQ21rellTcEs0cXUtSDNYcklOa3R2Rmg4UFAxVS1yUTBOdUx0MnRUU0l0MktETy1n?oc=5) · Hawaii Business Magazine
- 2018-08-14 [Citizens Business Bank acquires Community Bank, adding 16 branches - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWFI0U1BjLUw2ODBoNENPN0tIaEJoM3cwbGlNNmRtSXNoVS1PWmktMHFla1dhQmdzVUJMQWlfM3lLV0tpN003TXdoNklZbWdmVl9rbm5MRElqSmRWLUpQMk1NUEc4V1NUUFJHNWkzZUpqQW1qMi1NOUFNRVFxamdnWFJTcE4yWXpUQlByTGs0REtTRFU5a0Fwdw?oc=5) · Orange County Register
- 2023-07-21 [Henry Marvin Obituary - Lancaster, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeFJXR2dGQmVvblpZdXpEOXpRS3JQTF82elNjeVF5akctM1NsS20wZDlITG1tdVE0Tnh0bWZCakl0WmUxa1B1VmsxUVRxRV9aOXlvZEEwZXc4LXdWRnkzT3BVX3ZsRGtJVEpUNHVUU2ZvLV9KdkpleHV4VHA1b2VDXzdCNA?oc=5) · Dignity Memorial
- 2009-03-27 [Michael Volpe Obituary (2009) - California, CA - Courier Post - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQmZ1UlZNSkwtczN1cUw4X3NxRkxid0VhSGNJWGdsazRHa0tlZnYwWHpmN1NKblUtQm85YVlWU21QYm1peUN5eUZ4V0xTVTlWNnlXOWRDYU9QQTRxRWxicGcyM21MUVVhU1ZwWTNkU3ljVG9FNDV5TkxTZjBFMEhOWmY3UnktNU5hY1dRMWprVjVBN1JVenN0SjJn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33121 (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 "33121", 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