# CALWEST BANK
RANCHO SANTA MAR, CA · FDIC certificate 35069 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $225.6M | |
| Deposits | $194.2M | |
| Loans and leases | $179.1M | |
| Total equity | $25.4M | |
| Loans / deposits | 90.92% (p80 of band) | 75.62% |
| Liquid assets / assets | 13.10% (p7 of band) | |
| Uninsured deposits / deposits | 37.22% (p94 of band) | 16.17% |
| Brokered deposits | 3.56% | |
| Wholesale funding | 3.56% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.23% (p15 of band) | 11.43% |
| Unrealized securities loss / equity | -0.60% (p19 of band) | 0.53% |
| AOCI / equity | -0.20% (p29 of band) | |
| ROA (annualized) | -1.27% (p3 of band) | 0.92% |
| Net interest margin | 4.13% (p76 of band) | 3.67% |
| Efficiency ratio | 134.47% (p98 of band) | |
| Noncurrent loans | 0.79% (p58 of band) | 0.57% |
| Net charge-offs (annualized) | 0.02% (p74 of band) | |
| Reserve coverage of noncurrent | 178.86% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 49.67% (p80 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 | 3.7% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 5 |  |  |
| 2012-09 | 7 | capital falling, losing money, expense ratio p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-12 | 7 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 6 | deposits shrinking, assets shrinking | capital falling, losing money, charge-offs p90 |
| 2013-06 | 4 |  | deposits shrinking, assets shrinking |
| 2013-09 | 5 | losing money |  |
| 2013-12 | 4 | AOCI drag >20% of equity, assets shrinking | noncurrent p90, reserve under noncurrent, losing money |
| 2014-03 | 1 |  | expense ratio p90, AOCI drag >20% of equity, assets shrinking |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 3 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2014-12 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 2 |  | deposits shrinking, assets shrinking |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | losing money | leverage <7% |
| 2016-03 | 1 |  | losing money |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 0 |  | expense ratio p90, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money, expense ratio p90 | capital falling |

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

- 2020-06-04 [Bank of Southern California acquires CalWest Bank - redlandscommunitynews.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOX0tzeHNFekN5X25mN21ZWk9ldGd2ZHhsdEY4QmU5cTJ0bmNRMHAtaXgzNWVFSGZpUWxXd0dyZ3NjNDdsenRhLWtEUWxpdG40eWZKTGVmaldsOFBKeHNvZDBZNEhMMElrSXlRc2pBQkg3VmNCZm1vYk5QTmRuaHZ3SXFwVktoaDVhaTdIdHkwMTBmLUxHVU00dHdSLXkxVzBjd0JOMzJ4X2FiT09tekVmM2NXUEFvbFU0SlRoUTU5Mndhc2J4Vm4wbmQ4b1N0U0xreThvOTMzcUt4dw?oc=5) · redlandscommunitynews.com
- 2022-06-03 [Pacific Marine Mammal Center taps retired bank CEO for top job - lagunabeachindy.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNa1NaSzU0al9naThjTkFNUzNXVDlSQ1VnMTJvWWlKd19wcmFWNTBiQ0YyRGRkZVUyTEdHWGdnZURPLVFCakFzU1NrRldXY3Z4bDEwUF9XaGw4MUhBcG9adDR4LUlMcjZLTXZvR1BsX05KajMydlBuVzhtODJBV0hLNW80VnFxQlpSUVIwVFUyVXByWDJNc1VFTF9ZQVNSYWFRLVJRaWNtVlJ6eG5KNGhGVXhqOGFqNlliTE9ibXlXRnpJVmtNRVZHSEhUaHN0TGxURVpUQUwwQmQ3MmNSd0JNMVV2NXRPaGRqLU0yTFdSdw?oc=5) · lagunabeachindy.com
- 2022-05-25 [Laguna Beach’s Pacific Marine Mammal Center finds new chief executive close to shore - Los Angeles Times](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPU1BXdXluVXc1dlBoZlpTS0RyX1NNTUpPVHVib1dDNUQ5UmJpYThVdTBfckZpbDlfM3Jac3ZVOV91Ti1xQ2xuZ0pEcjNyd3JRUHJxOUJKSFdYSElTc3VvRzctOHNZWkpmcGJSUGxJdElmZFF0NFBfbkVvRXgwNkxGTGl5QS02dVZGUFhhSy1DRUIzTVdicmtab0xKbVd0cTdsT3lSUWxoQ2lqRlVxTWV0eUhHOGI5QTdnalQyYU0tUjdBZnpKRy1nNU5GYlJCczlHRnNOMFVpek1Ga0huTDhtQQ?oc=5) · Los Angeles Times
- 2020-06-02 [JOHN ‘J.J.’ JACKSON - Orange County Business Journal](https://news.google.com/rss/articles/CBMiV0FVX3lxTFBSSHg4Q2l1OUhmY0xSRHh1bktjQlVnamVTRjdTNG5tTWl0aTVua2Z2U2RwOHBQdlB2a0NheGVMTE1oYXh0alllWV81aU9XWkNDbnExUV9GYw?oc=5) · Orange County Business Journal
- 2019-09-06 [Burgess to address young professionals - redlandscommunitynews.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQVFlhWHZOYmtRRVBiS0ROWGtYekRlWXpxenYwRGswYjdWS0xhRGVPUEhaYm1SNm1NSUp6bUVYUF9pRUdyaUJ0VFB0SGtZZTFZaTVTWlVJUUVKdkEzSldpclhHTVZDUk9iUDVVNXJ3WHJPNkhHYkJBZGpFaGNzRWJrSHZZZ3FHRmc4WkJmbWloTzRMS0NkbUIwWVo1MTB1NXhjYjBtakJiTGYzXzdra3lOLUtJajlqcTdLUWRCY2VycUxmVVRhNEluUmZhN2JXcFE?oc=5) · redlandscommunitynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35069 (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/61.json (key "35069", 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