# PACIFIC GLOBAL BANK
CHICAGO, IL · FDIC certificate 34089 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $219.9M | |
| Deposits | $193.7M | |
| Loans and leases | $173.3M | |
| Total equity | $24.6M | |
| Loans / deposits | 88.26% (p74 of band) | 76.58% |
| Liquid assets / assets | 18.47% (p20 of band) | |
| Uninsured deposits / deposits | 4.39% (p6 of band) | 16.53% |
| Brokered deposits | 2.81% | |
| Wholesale funding | 2.81% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.01% (p44 of band) | 11.42% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.65% |
| AOCI / equity | 0.08% (p17 of band) | |
| ROA (annualized) | 1.30% (p69 of band) | 1.01% |
| Net interest margin | 3.81% (p50 of band) | 3.82% |
| Efficiency ratio | 63.93% (p34 of band) | |
| Noncurrent loans | 0.17% (p31 of band) | 0.52% |
| Net charge-offs (annualized) | -0.16% (p1 of band) | |
| Reserve coverage of noncurrent | 783.39% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 7.48% (p35 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 42 | |

## 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, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | capital falling, charge-offs p90 |  |
| 2011-12 | 4 |  | capital falling |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | noncurrent p90 |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | uninsured deposits leaving | losing money |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | capital falling, charge-offs p90 |  |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | uninsured deposits leaving | capital falling |
| 2019-12 | 1 |  |  |

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

- 2017-04-26 [Ex-Merrill Broker to Reimburse Firm $1.1 Million in Theft Plea - AdvisorHub](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOTJ3RWhSeXhoSkZxc2JXdXVaZGNBdFBJODZvcHZzaTZhLUd3NEdxYm1yY1VFa0xUSDR0ak0tYUpPM040YnZvckktcVpKNm1PWFVaWHdreFA2TVhCcnV0M3dLRjVGSV94czhWVjc5a0V1U1IyaENqT0lVTHlXZU4zVDhWaUlQUHBWUXZJ?oc=5) · AdvisorHub
- 2017-09-27 [Companies Founded in Chicago - ranker.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1aUXcwXzJSTmFhUUFHTWJlQ2pRV00zRDM1d1BfcXZMbTVDVEpwdkI1WkRxT2tsbFF6VmhxM2g4TmFFeUJMWXhJM2c1TnVqZTZEaWVkcjRQQ29nb0wxRUUxNVEwVllVUzdHaVFSZzRFT2I4SzU1?oc=5) · ranker.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34089 (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/41.json (key "34089", 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