# PREFERRED BANK
LOS ANGELES, CA · FDIC certificate 33539 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $7.73B | |
| Deposits | $6.48B | |
| Loans and leases | $6.28B | |
| Total equity | $793.5M | |
| Loans / deposits | 95.77% (p77 of band) | 87.10% |
| Liquid assets / assets | 16.74% (p30 of band) | |
| Uninsured deposits / deposits | 50.28% (p91 of band) | 30.76% |
| Brokered deposits | 11.87% | |
| Wholesale funding | 14.46% (p78 of band) | |
| FHLB advances / assets | 2.59% | |
| Tier 1 leverage | 10.55% (p51 of band) | 10.50% |
| Unrealized securities loss / equity | -3.72% (p71 of band) | -7.75% |
| AOCI / equity | -0.79% (p24 of band) | |
| ROA (annualized) | 1.69% (p78 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 33.01% (p4 of band) | |
| Noncurrent loans | 1.57% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p81 of band) | |
| Reserve coverage of noncurrent | 77.15% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 84.52% (p80 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 321 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **run vulnerability** (`liq_runrisk`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | expense ratio p90 |
| 2011-09 | 1 |  | noncurrent p90, construction >100% equity |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | charge-offs p90, capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | charge-offs p90 |  |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2016-03 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 | reserve under noncurrent | charge-offs p90 |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | run vulnerability |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | run vulnerability |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-06 | 2 | brokered >10% |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2025-09 | 4 | uninsured deposits >50%, capital falling, run vulnerability | wholesale funding >15% |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | noncurrent p90, reserve under noncurrent | uninsured deposits >50%, run vulnerability |
| 2026-06 | 4 | uninsured deposits >50%, run vulnerability | capital falling, noncurrent p90 |

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

- 2026-06-02 [Assessing Preferred Bank (PFBC) Valuation After Recent Share Price Moves And Long Term Returns - Yahoo Finance](https://news.google.com/rss/articles/CBMipwFBVV95cUxNOFR5MUdwMzJpY3ZGZXNXMG5kdHNSaHNHRzljSS1JLTFGck85Y0dLbks3VVNUMjFZUkNqQWpqTHhmZWlaSGJ6WERMZ1pYY0FkWGhiYU9QS2Z4SWx2UkFyTGhvcXlCMDBhNm9LRXp0SmVPNDE1SFV3U05tOHhEa3k3R3VoRUtIXzZqbzhQODQyXzFrT3NlZ1ZhVHJ0dDBIYnNIbDJ3Yl9CYw?oc=5) · Yahoo Finance
- 2026-08-31 [Regional Banks Stocks Q2 Highlights: Preferred Bank (NASDAQ:PFBC) - The Globe and Mail](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPcllpS0NLTDMtS2x2NTY4eDIyTmp4MkRSZ0k0bWg5SmN3QktiN0VEakhsQjF5Wjd0SVhQVy10VVowQndHd291WVd5anFPVWxtWkl1cnlqaVNSakp3anFFcG9pVk5QWnZRTTZIQnVkYzhWTERhVktOSjNBTm9QMGJaSDAwOWJQc1lLWDVhU1U3MVBTR0RvVkl4Z1BlMnRyTnJaRkQzWFdoSGZUdnloVXJxaTZJMmxUQ1MxS3czYldvd0JFYk0tTVBfQlRZUG5fMVJYWFVpZ01vRE9OLUtaMXh2d2l3?oc=5) · The Globe and Mail
- 2026-07-09 [Preferred Bank Announces 2026 Second Quarter Earnings Release and Conference Call - GlobeNewswire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQaG4yV0Nzdlp4VGpxeWZPaEFOeFo2cEp6V0JCQkVaV1lHUF80NF9kaXFteXJnTlJfM0l0c3UtaUtvS0pLaFFtUTN0YTJCSm85M1A1SjM3bWQ1Y1A3UEp3djZObTZmWFhXVTJ6UExFQkZFdkpPUmFNcmZ2S0pNYzMxbE0ySjBOcU5VZmU4T2w1TGdta3FOR1dfY01GWnpXMm95V1d2TnBkQkZLZ1g0WnJGa3Jici10SzN4SzhoYktQMzlFY2YzU3dGNmh0U1hVZUZRQURVeHhUQ3M3c0tCZFV3OXNXR0J6VnZ3VGlXb0NB?oc=5) · GlobeNewswire
- 2026-04-22 [Preferred Bank (NASDAQ:PFBC) Reports Q1 CY2026 In Line With Expectations - StockStory](https://news.google.com/rss/articles/CBMixwFBVV95cUxNU29Wamp5OU1FRXFkNWJYcTlMbUctRmZlSjMwNmJXTDd0UkoxT1ZnQi1zblIxTndnWXByMHUwLVJyR1poN3htNUMwRkJteUJESGo5MXJhRVI2WXhtYW44RnBfN1Q1SkVZUE9kZHJxZW0ybVdxWU9EaVFYeG1oa1o4LXRWS1RCU3ZKUENxZ2lfRFl5WFdmQi1iamNVSFpjUHdVdzVFUUZpbFNuQWJhYWc2VTJoVWhRY1J0dnlHdGlfQmZKaFJJUU00?oc=5) · StockStory
- 2026-07-22 [Preferred Bank (NASDAQ:PFBC) Reports Q2 CY2026 In Line With Expectations - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOV3Fpakp1cVlPcTZucnI3UDJHNF9DUEpSQl9TZnNFLUlfR2Z6TmJrTU54SXFhMFN3dEVsdE5RYkdmOTVFMUpLU2ktalNxWnlLdEFwMVFyTTRsMEtZeHAtRHZXUVpUN2RaUG9XdFJoeEF2MjA0amFZRHZNY0JWbERoeUp3YkcyWFphZ0Y1UnpZbjRzUDVTVDJqRWxWdVFfVjRT?oc=5) · Yahoo Finance
- 2026-05-20 [Preferred Bank Announces Recovery Settlement - GlobeNewswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxQLTdUV0l1dmU1bDF2UVFBOXp2OVEyUEQxSGc5dnlKR1B1bFhZRkJ1VGxray1FdERHU1V3OWN1ZnRiWmRMT3AyOW9LaEZrY2lSbnRMMDRBdUFyU3dsX0tseWtKbmtjWXBnWTBkUFctY3NubUdCa0hJekRXdDlQQUtMYU43UGNyZThTY21WeHpXN2szQVBzY0J6dHItdXZLYjAxakdzX2FTYkxTT1BGQXZUTnZCRmFiTzZsOFFlVQ?oc=5) · GlobeNewswire
- 2025-10-22 [California firm related to Zions Bancorp’s stock tumble is also in NYC real estate - The Real Deal](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZDFYTTBHUVhBYnYtb3MwT1c0T0NmalJjVmZzakR6S0FaTm5GS2JxZWdLRXIzTi1TZHZGaFI2WEVRLXAwLXBaVWRtZXJoczFFTjJtMFNWdE5OTFFDZ3dVVVlPQmg2ZmNBVFBwa19rYXNlWWtXd2ZsTkpqdHVBTGJBbUJOVEZNZU16R0NiYVhCeEVDNEtMbmVoLS1VY2NjSDBC?oc=5) · The Real Deal
- 2026-07-26 [Preferred Bank (PFBC) Could Be 8% Undervalued As Earnings Put Valuation In Focus - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSDlPcGd4c0VhTzYtMmx6eEJZYWpsNFZ2X1cxS0UzTzVGZVdWamlIc0dkNnBfMnhrbjQwa21PemY4bEpyY2ZkUnFUY09DajE4VVNLR2tzWWJfZUVKRVhHbHR6Z2Q3eUJIVktFSF94aUx2NF9TSzhoeXlaMGV1Wl92ZTRvQ2hDcm1CYmVoMkpDTXdZYXYyZWlr?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33539 (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/3.json (key "33539", 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