# BANK OF THE WEST
SAN FRANCISCO, CA · FDIC certificate 3514 · asset band $10-100B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (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 | $91.58B | |
| Deposits | $72.13B | |
| Loans and leases | $60.15B | |
| Total equity | $9.22B | |
| Loans / deposits | 82.59% (p50 of band) | 82.82% |
| Liquid assets / assets | 25.38% (p55 of band) | |
| Uninsured deposits / deposits | 50.80% (p74 of band) | 41.24% |
| Brokered deposits | 4.43% | |
| Wholesale funding | 13.47% (p73 of band) | |
| FHLB advances / assets | 4.70% | |
| Tier 1 leverage | 8.73% (p30 of band) | 9.71% |
| Unrealized securities loss / equity | -39.56% (p22 of band) | -21.62% |
| AOCI / equity | -29.05% (p15 of band) | |
| ROA (annualized) | 0.89% (p17 of band) | 1.18% |
| Net interest margin | 2.86% (p26 of band) | 3.22% |
| Efficiency ratio | 65.98% (p88 of band) | |
| Noncurrent loans | 0.81% (p85 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 118.36% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 18.37% (p30 of band) | |
| Auto loans | $587.0M (0.98% of loans; DQ 6.50%, NCO 0.01%) | |
| Loans to nondepository financials | $558.3M (6% of equity) (p56 of band) | |
| Deposits YoY | -19.4% | |
| Employees | 8959 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | loans exceed deposits |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | wholesale funding >15% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | wholesale funding >15% |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits >50% |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | uninsured deposits >50% |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 2 | wholesale funding >15% | uninsured deposits >50% |
| 2020-06 | 2 | uninsured deposits >50% | wholesale funding >15% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 7 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 7 |  |  |

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

- 2026-09-08 [Habitat home moves closer to completion - Lake County News,California](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWWN4a0dZRlFDX2p2V1VKWFZfSS11MWJyeE5mYjJlUWpfTzZ0Tlctb3BtMW5vbXY2UHIzT3BmUFpPejBKMFN1QWJVd2E5cHpMOVBhbFBWY3ZFaXJ3Z1hndmFxOC1JTk5wQ1cxbHNORlZOV3FqOWRJTTNITFQ2bWhmMnFOLXI4VEx0NURRT1RB?oc=5) · Lake County News,California
- 2026-03-31 [BMO eyes top-5 commercial bank status with California push - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaEJZc3Nrbmlxdm1WcEFJUldTVDFpTTNKQ1dPeUVFYXIzRFpCaGFtdi1QbDdRTmVva2JmS01adU9ZM0FrRERVTDJ0RUpEVUJ1ZS0tNHZiTXkyMVl6bF9HalZGamgzUVM3d2RfSVVLeTMzbmxJeEJGMnRrVG9MdEdVcy1HNFBnQ0MyLU1jSzlfOVQzWGFPZ0h5SXQwakcwZ2s?oc=5) · Banking Dive
- 2026-04-27 [How BMO is Leaning into Fundamentals to Drive More U.S. Deposits - The Financial Brand](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYU85UC13LWxWUU13d1lsWnN3WTFCSk1UTzdHLUowN254U0hJU2NPVWlRZ3B2SVpONThtVkxkallXTlBRRm8tU19ZckIybzhUeEVMbGVMTktWRkZ6ZW51QmFMNURsLXV6cUVvcXgtSG9DYXgwc081dksyVUZpVXZ5MmpRUWJGMnp1VVZHY0ZPeDdNd2ZwODlJNlRneWNjaDZ0ZEVBd05DQ0hnLUV6N3lQRUhaRHgyUXRGaGNuVXc0Zw?oc=5) · The Financial Brand
- 2026-03-19 [BMO to add five branches in the Sacramento area as it focuses on the West - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxOS2dDNm9SSjlFM2ZqTm1vSGZsYmZhT2tDc24xMG1ITk1XNkxWN2RnWTF6bHNhZk1yQ05zX2NTTTBWQ09oeG9aNF83MDU5YWx1ZkNHNTlIRFVFQks4YVplZkxxMEo5eEp5Y3VXUFROR0V4cXRCalp3SnZoZ2t1aGJPTWx3Q2ZPZ0lYZmJiX1poZllZLTRSSkFn?oc=5) · The Business Journals
- 2026-03-17 [Bank of Montreal to open over 130 new California locations - Reuters](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWmQ3NWhscS1IX25PVDRYTDhWMm1MYzRtNlNiWWYxZUxpUE9JcWlTbUlEd3pwRVhmSE1CajBYRGg3U25jX0h3MllCU0lHNkxMaURDWGV1NFYwZER0VGE5Q3A3Rmp3RWZsM0R5dUtpZ1h4bFkzRHYzbUZSb3gwNy1oZF9iYVZib0dmSGN6WS1KZWdVLTEzYUhoRnBzZDJBZHFQOVA2Q3lCWGs?oc=5) · Reuters
- 2026-03-17 [BMO to boost California branch count by 50% over five years - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRVNqUC1PS1JFcXNzME41TnBTM3ItTVF4SFRMX1ljUUNUbEdfTmRvdHVuckZ3TWt5SnU3LXFQUHlRZFNURFptdWQzaHhDMFAya1hBUGpFWDRCVk1CV1k3dDNuLUFxTjM1OUdscjAyTmZPME1jN1BQWkE2TC1qbTRLWUdudXZPd0hGSUc0cXlxUFFFZXZ5MVJMLTdR?oc=5) · American Banker
- 2026-05-07 [Former BMO Fresno building listed for $2.6M amid violations - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9uQ3lVcmlXdFROM0x6UDdWTDlxT2VHOHhfQUFFVGRMVDlwbXl0Qllja211cHNqY1NYM2NwckgyazUzckctcXMyMHBGMUx0V182VmtJVGU2U1dLTkdjV0QxYnFWVldOVk0?oc=5) · thebusinessjournal.com
- 2025-12-15 [Banking and Finance Quarterly: BMO Cementing its role - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRWY0VFpIVkxGem5wMkVfRVlKU2Z3cVFTUHNfZ3g2aHdBUEZMY09hMXJpbmRHRFFUVElaOENqM3liMGFWblJrZ2lqc19rNF9qNmlqQVN3WW9JSTdmd1dvcE1xc2pncG8tSnNucjV5b1dRd1RDRUx3UjgxNUZ0R3JQRlJMbGtqbUtNaVh3V3FUUWJHVnhYOEdVWGc5ZXNOTG1V?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3514 (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/58.json (key "3514", 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