# BANK OF ALAMEDA
ALAMEDA, CA · FDIC certificate 34577 · asset band <$300M · latest filing 2013-09 · 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 | $271.6M | |
| Deposits | $237.3M | |
| Loans and leases | $177.3M | |
| Total equity | $33.8M | |
| Loans / deposits | 73.08% (p57 of band) | 69.26% |
| Liquid assets / assets | 31.73% (p43 of band) | |
| Uninsured deposits / deposits | 25.11% (p89 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.59% (p68 of band) | 10.33% |
| Unrealized securities loss / equity | -3.04% (p29 of band) | -0.53% |
| AOCI / equity | -2.32% (p56 of band) | |
| ROA (annualized) | 3.60% (p98 of band) | 0.77% |
| Net interest margin | 3.86% (p64 of band) | 3.62% |
| Efficiency ratio | 77.97% (p60 of band) | |
| Noncurrent loans | 0.44% (p31 of band) | 1.08% |
| Net charge-offs (annualized) | -0.18% (p2 of band) | |
| Reserve coverage of noncurrent | 497.08% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 18.58% (p54 of band) | |
| Auto loans | $483,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 3 | losing money |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 0 |  | charge-offs p90, losing money |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |

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

- 2020-11-07 [James K. Lynch - federalreservehistory.org](https://news.google.com/rss/articles/CBMiakFVX3lxTE1KVnI2MTJ2NGd1dGluYUNwTjdpZVBSZmVpN1F0LXJxRHEtY1Jfa1NvQ3ZLVDByVmZpbXF4TG5XZHE3dXJMUFEtOHlRT2g0QnJhUTNJMFVaSktfY2VYZkFsN3VDeG9XcXBtbmc?oc=5) · federalreservehistory.org
- 2011-04-18 [Circle Bank Names Juanna Collin as Senior VP/Operations - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQWh1VC1GaGlvUEluLTJvemNRZTlVZm5pUGMtMVVucExPOFh0NkJfd2pVZFYtdXlJWFRGc3duLXdwejVldlVXOU1hRVF6ZHdHYVk3Q1lRV3dHQk5PRFZ3ZjRkclhjc3l4M2ZBeVc0TTFMR3lQeUtzSFhrUW5GYW9MTThWRUJ3OURLUzR1MG9tWlRIZExpblYxRFJn?oc=5) · Patch
- 2024-05-17 [Cynthia Farnham Obituary - CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE11aWVrbFRkdDFXNEVlR2VnSTZSbDFXQUZaMS0zbGF6c3g4RkNDSVlzcEJ6T3ZleUhqd2EycEFuT1FJVk1fQV80N3NnalNsR3NncTNuaXp5RDFVS2xEUWtlanJjV3BzZFNNaEZxZDNoQQ?oc=5) · eastbaytimes.com
- 2021-10-04 [John Coghe Obituary (1966 - 2013) - Alameda, CA - East Bay Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRG0xYVJwVGdNN0VHZFJQVjBFeE5qLUhlZ2c1YTMwckVqeE1XQmh3bGg2Z0lBVEExUzZrN281SDVOTmc5RHVpa0RXTE8yYjNvUzBNd2h0NVVlcWJpRE9CNjBLV2FOaEhZaERnaGFVQVB3eWltRm9uMWNtdkxtLWNjeGt1WUsxZmdNQlk5Tzdhdw?oc=5) · legacy.com
- 2024-05-14 [Joel Vuylsteke Obituary - Alameda, CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9DVkRMWnQ3a1FXUjc3dnFWNm02c016azNxVTRjNlh6OVRIUGxoaEp6Nk5BNWZXcGI3cEhnY1ZTRmNtaGdGUHdFYUM1QmhMaVVXdVRaQUtYSU1rN1JWLTg2enhaZ0FNdw?oc=5) · eastbaytimes.com
- 2012-08-13 [Funeral Services Today for Ryan McDaniels, 19 - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdmU0Z2hwbEpidGRFVTZwQW1wRzg0N1Q2RnlCbzh6ZkN5ZWs2RUx4ZmN0X3lEX21iUmRKUVFQYkJtcDVHNUJqZTRiN1ZjVlZkbkgwcy1jTEhfb2RnS0ZxOEM2Tnl2ZERxUDJHdF90NE5IN1VMcHhEaVMyZjFJcENwMFhfWU51dHB4?oc=5) · Patch
- 2022-12-30 [Joel Vuylsteke Obituary (2013) - Alameda, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdEtqeEdfelgwMllkLTNiRnd0V0NDUGFseThCclMxRURUYmw2NmJYeDdQeWVXZ0lJTjVKX2lYdjFYakJhem5IOVhhdjNDd0lvY2EwTGhQem80TnB0TFdnNjY0T0ItaVNOX1BCZ0JSTWJOcGFjZnVVRDk4SU5kTWdHX3RhWWpBV3M2c2d4Xw?oc=5) · legacy.com
- 2007-02-08 [Oakland teen charged in $200,000 bank heist - eastbaytimes.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPeUJRN29jcWNvUlNEdEFEQURmRTc1RjRiV1JWbXRQbU9RaVZxWTlCU2ZLZEFKNmg1TmtycXN5bXlRTVMwR1RuN0FLdG1sS3A4NTJIQnZiWDdiUGVmclNnSkhmYV91MEVrd3ZBcHRHcVVFQlY1UFJyeUthWHJuOHlyVm9XYWcxUGV6Z2fSAY8BQVVfeXFMTk91SVZienFxMFZXcXJ1YzZMYU9PeHZXUUVyREFaVWZTSkQ5N1F0UFdaQTZja0hPUzVXNjlkbWlTLUFJWDRHMnV3Rm1LaE9INmpWWGpJR1JuenBDaHVkanZiUms4TERIV1FKdS1BaUZMazQ4NG5mOEdmZExSZE85cTNCOHpZZG5SMWhvWGUzZmc?oc=5) · eastbaytimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34577 (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/17.json (key "34577", 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