# MISSION COMMUNITY BANK
SAN LUIS OBISPO, CA · FDIC certificate 34462 · asset band $300M-1B · latest filing 2013-12 · 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 | $432.4M | |
| Deposits | $384.6M | |
| Loans and leases | $291.8M | |
| Total equity | $39.6M | |
| Loans / deposits | 74.72% (p44 of band) | 77.63% |
| Liquid assets / assets | 25.51% (p41 of band) | |
| Uninsured deposits / deposits | 17.28% (p46 of band) | 18.22% |
| Brokered deposits | 4.42% | |
| Wholesale funding | 5.80% (p50 of band) | |
| FHLB advances / assets | 1.39% | |
| Tier 1 leverage | 8.92% (p24 of band) | 9.92% |
| Unrealized securities loss / equity | -3.81% (p28 of band) | -1.24% |
| AOCI / equity | -8.35% (p19 of band) | |
| ROA (annualized) | 0.34% (p14 of band) | 0.83% |
| Net interest margin | 4.53% (p92 of band) | 3.59% |
| Efficiency ratio | 79.82% (p76 of band) | |
| Noncurrent loans | 2.83% (p83 of band) | 1.18% |
| Net charge-offs (annualized) | 0.04% (p30 of band) | |
| Reserve coverage of noncurrent | 53.17% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 38.30% (p58 of band) | |
| Auto loans | $7.4M (2.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 105 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90 |  |
| 2011-06 | 5 | reserve under noncurrent |  |
| 2011-09 | 4 |  | reserve under noncurrent |
| 2011-12 | 4 | reserve under noncurrent | wholesale funding >15% |
| 2012-03 | 2 |  | brokered >10%, losing money |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | deposits shrinking | expense ratio p90 |
| 2013-03 | 1 |  | deposits shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |

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

- 2014-04-25 [Community Banking's Big Investors - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTE1WMElacDgtLU95ZXNCdkFabUVHSHhWTl9NTU0zWW5DQWlZaF9XNG00Z0N2RjFLTktEbURaaDJjalExMzFjd2tWZkExMWxJVlB5ai1fREhEaFlYSlluR3IyOURfR21PRWk0ZktzT0NmNnF1NGV3RmNKUXpDbjBHQQ?oc=5) · American Banker
- 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
- 2017-10-31 [Community West Bank Promotes Two to Regional President Posts - Noozhawk](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdmtMQ1F3N3AxU3R6RVc2a0FWY2NIV1V1bTBHZmZ6U3VnSGNlRWNWRFNkb0tqbHdKZURxZFlWWHhtMGplY2p6eERNVHp4dVRDeXVpMlMzVXAtei1KUEM2RHRBOWtWRC10U2J0c2NQRDV4eEtON1h2dHIySXMwWlhSeXVyUy10OUZ2UlU2T0xzSQ?oc=5) · Noozhawk
- 2018-01-19 [Community West Bank names branch VP, relationship manager - Ventura County Star](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQb0lmMDFzRXJXWm1oUEd6b1hxRjhuMUkyd01udnM5UTJMdjlFNGV1VTJIaHZ2QWpsX254dEY3S1VTZkJtUW85eDJISzhTa19KWHRDak84Tm5ZSGxXYVV0LU5yZGUyWkw3ZUR0ZG1SeENibkNDeE15ZmxadTJQNzBvXzJLOG5NMVJmQ0R0c2lFbWNrWTI3TVVFbHlZTWlHcFpXejVjUmQwdTlrOHFHYWRfQkRMLXp6QXg0TWFlNVM3NjA?oc=5) · Ventura County Star
- 2022-02-01 [William F. Filippin Named President Of Community West Bank - citybiz](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNjZnSW9qbzJia0Z4MnNhNU9OV1kySTl3ZU9RVWZwS3Fab1J2MWdsWVFfUkt4MEtKQ19nZXFXaW9BLXpSWDhCYTJYX3FVd2xFak5nYzVORG1lc1Z4b3o3NGdmcUx0ME12VnFDanVybnMyWGt0SUVsR0FxRjJKcnA3NkNLb1VkN3FWcFVwY1Jscml0VTZkQjVIWTY0blk?oc=5) · citybiz
- 2015-05-26 [William Filippin to Join Community West Bank as Executive VP, Market President - Noozhawk](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUWV1WTY4X1pzZFprRUFWSzFCQnRqd0x2OFBuMkVleWdOdzdfUzJyOVFkc0p3YnRTcGROUkxvbTVXYUJ6NTZtc19kaGZHRTlyWDlsa25Bc0FwYWVDc21jNUhUUWxCdTBQMkNCbDZWaDdsTkNqdXBPd2EwU0R6YnF6Vi04T1NSdXFIUW5mZkJUeG5aVjVJcTlDaWRMU05TUmNyVnZn?oc=5) · Noozhawk
- 2023-04-19 [Bruce Breault - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOd0p6Y0RPYXFfaDNOZENDUWdCRFdqS3RsWC1zQnBrdU5yV1dHd3NUTWFBS29uWnl3NUxZbC1yOWJqa1dCd2NfdUN6OUQweUdtaWRlcHIxNGVIeEZ4eGZBaFpYN1ZyVVhHLTl4UVVyc1J4a2VmMEZSWFdBcUFGZzZ4ZXVaellKeGdIUU5tcEluTQ?oc=5) · legacy.com
- 2012-04-17 [Charles Holdridge Obituary (2012) - Atascadero, CA - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUWFwUzdVbHhlY04zblVOaVcySUZRZmtSRGlUN0ptdWVoVHRDaTUzNExFa1JwT1k5WFhjOS1UemtoQ2hLQlpVNGVJUVJ0NnpRN0g5cEo1OEk2RmNIMHN4ak5LTlQzSEYzMl9ncWExbFNva3pjeExLRndCeDhacU9oc055SVg4c3FCSGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34462 (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/30.json (key "34462", 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