# MOJAVE DESERT BANK NA
MOJAVE, CA · FDIC certificate 33484 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $103.5M | |
| Deposits | $94.1M | |
| Loans and leases | $53.6M | |
| Total equity | $8.7M | |
| Loans / deposits | 55.32% (p27 of band) | 68.02% |
| Liquid assets / assets | 42.23% (p63 of band) | |
| Uninsured deposits / deposits | 1.00% (p4 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.38% (p18 of band) | 10.05% |
| Unrealized securities loss / equity | 1.08% (p30 of band) | 3.01% |
| AOCI / equity | -0.07% (p37 of band) | |
| ROA (annualized) | 0.03% (p13 of band) | 0.76% |
| Net interest margin | 4.11% (p71 of band) | 3.75% |
| Efficiency ratio | 98.57% (p90 of band) | |
| Noncurrent loans | 1.40% (p54 of band) | 1.21% |
| Net charge-offs (annualized) | 0.07% (p43 of band) | |
| Reserve coverage of noncurrent | 205.07% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 11.19% (p42 of band) | |
| Auto loans | $78,000 (0.15% of loans; DQ 5.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 | uninsured deposits leaving | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |

## 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=33484 (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 "33484", 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