# COAST NATIONAL BANK
SAN LUIS OBISPO, CA · FDIC certificate 34381 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $149.5M | |
| Deposits | $130.2M | |
| Loans and leases | $96.0M | |
| Total equity | $18.9M | |
| Loans / deposits | 72.51% (p46 of band) | 74.58% |
| Liquid assets / assets | 30.20% (p47 of band) | |
| Uninsured deposits / deposits | 22.32% (p80 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.83% (p51 of band) | 10.79% |
| Unrealized securities loss / equity | 1.39% (p41 of band) | 2.02% |
| AOCI / equity | 1.12% (p52 of band) | |
| ROA (annualized) | 0.47% (p23 of band) | 0.86% |
| Net interest margin | 4.16% (p78 of band) | 3.65% |
| Efficiency ratio | 80.91% (p71 of band) | |
| Noncurrent loans | 1.07% (p62 of band) | 0.67% |
| Net charge-offs (annualized) | -0.24% (p2 of band) | |
| Reserve coverage of noncurrent | 154.41% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 86.17% (p93 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 | 11.4% | |
| Employees | 31 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | losing money, expense ratio p90 |  |
| 2011-09 | 7 | capital falling | charge-offs p90 |
| 2011-12 | 6 |  | noncurrent p90 |
| 2012-03 | 5 | assets shrinking | reserve under noncurrent, capital falling |
| 2012-06 | 5 | reserve under noncurrent | assets shrinking |
| 2012-09 | 5 | charge-offs p90 | reserve under noncurrent |
| 2012-12 | 4 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2013-03 | 3 |  | construction >100% equity |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 | expense ratio p90 | deposits shrinking, assets shrinking, capital falling |
| 2014-03 | 3 | losing money |  |
| 2014-06 | 2 |  | leverage <7% |
| 2014-09 | 1 |  | losing money |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2016-01-05 [Sierra Bancorp’s growth continues - recorderonline.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQc0tUNjY5czZFV185ek03U2hoY2xtSWZNUmNNbzF3RjMxYnZvZVpSd2Q5ZFhkb2lJdlRFVG9QV1VNSGpPS0VySzV4blJEMm9WQWV4a2g0TjU3dHh0LVZDd09oX0FLZUVkV1I2QlpLanEwOWdTRHVYMlJmTV9sQ2lVOUJ5ZkIxLTZZdHByUWw1ZFFkVDJpTkhRUmhuWVZtQXY3d3BqZ1JsTzJKNXQ1M1E4eTdwb1dDTm81ejhr?oc=5) · recorderonline.com
- 2026-08-12 [DONALD PARKER Obituary (2026) - Arroyo Grande, CA - The Hanford Sentinel - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbHdna3R3dnNBdGdUZkc5anRURUNNMXEtMTM4MEc4dWhZUkU2V3RCanQtZU1UeTlWaS1lejI3N09jQmlwVHROWUlGbWlyNmI2RzJiRGNuSno3NlRSUUFFS2lBdE5SZVp4SkNtV0p1NUM1WERQTVNBS2FYUlNqY2ZsdmZQdWdhS29XOXF6dmxoVVowTFdjSndR?oc=5) · legacy.com
- 2020-05-20 [Developer of delayed SLO Public Market project accuses partner of fraud, mismanagement - sanluisobispo.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE83MHZGXzdJRFJXTHpyRDhhVlRHaG9qU0U5WEJ1MjFMTDZ4UmpCNVNzZFg4TkJ2bmRRM0JSd2ZPdzFXSzRaYUEzelpsZUwzN2hwWEZpMjFjM1BBMDVGX3hhNW5rMHdFWFNmeVpITGpxMNIBb0FVX3lxTFBKQlJRR1BfaVhkc2VqU1IwRU00VXFjakdUNjhzUFlsdE1NU3lBRXg5Ukl6RXdsRUNIdnN0eFY4QUw0X01EVFR5d2x5Q3I5NlFZd0pLQkUwNTVaMFg4emVNYVg3bGpUR0l6bEhfdjlKOA?oc=5) · sanluisobispo.com
- 2013-01-16 [Sunwest buys failed bank - Orange County Register](https://news.google.com/rss/articles/CBMicEFVX3lxTE9LSnNEVnBNSUNsSHZwMEJ2SndVZEtERDVIUFU4N3M1OC0xbmdRR2s0dkpxcEdlWnVoTU5TUGxGQmJMSko3MGNvTWtZSTMwUlVOTzdfRVFiRkcyQzdDUlRLSmN5aHREVHZmWlNMRENhazE?oc=5) · Orange County Register
- 2015-01-03 [Email scam promises $350 a week for car ads - Lohud](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWW9ad09PTnpuNVJfc2FkM2oxSDZtY2FvZTZ1enlVei14U2lMbFlKaDhXbGlxNmNVdlNsbVoxdVh3NU9kcWM1eW9aclZvUkdKdEZZZXBjcFBDbThBXzFOczdmZVhnNmNuUGpveHY5MUs0VWZYenJwelp1Rlo0RTFoWk5DZFluMDFnVWVCdFpHR25vQWs?oc=5) · Lohud
- 2021-05-10 [Chester Hicks Jr. Obituary - Santa Ana, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQVXRxMVl5YXhXYmtYU2tTbG1peWVmQUZqUGt1ZFFBLV81ZG5yUUxEYnF4TTA0Y0FGVTFPR3h3SUtqcVhPbHVxSnF5a19ROFVQWkMzVVRGaU9NVWhPVk1kTEhvZ2hiN1ZBa1RBRGpxVllhNGhxMmRXZUFnNDRwc2NnLTdTZThudkJI?oc=5) · Dignity Memorial
- 2016-01-26 [Bank of the Sierra is growing once again - recorderonline.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOelVybUdGc0U4b0dCRFhENmZHeXdvVkhFZnp4U2JsNGM0UXJEbGl0R0RDZmlHN0N6MEROSmpjZ1lsMUxrLVZ5QnlEV083NE9HV3NRdEN5dkZSVTZ6YnF5MXdkbzlFeTZkamxHQThRX3lmQ1JhRkF0WDdOTl9lRE91a2VaRFRzM3RFS0FDRkF1R01kbXZSVF9YZ1FYb2FfVmx1Z2o0bVhYcFpFQm0zWUdPbWpfU2hSVFlSX3FBdFhQNDRIYWRS?oc=5) · recorderonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34381 (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/13.json (key "34381", 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