# ORANGE COMMUNITY BANK
ORANGE, CA · FDIC certificate 35535 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $233.9M | |
| Deposits | $209.0M | |
| Loans and leases | $138.6M | |
| Total equity | $23.0M | |
| Loans / deposits | 64.87% (p36 of band) | 71.80% |
| Liquid assets / assets | 38.56% (p63 of band) | |
| Uninsured deposits / deposits | 26.69% (p96 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.87% (p51 of band) | 9.80% |
| Unrealized securities loss / equity | -0.13% (p9 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.67% (p49 of band) | 0.68% |
| Net interest margin | 4.64% (p88 of band) | 3.84% |
| Efficiency ratio | 73.33% (p49 of band) | |
| Noncurrent loans | 1.54% (p50 of band) | 1.53% |
| Net charge-offs (annualized) | 0.41% (p76 of band) | |
| Reserve coverage of noncurrent | 141.75% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 17.27% (p49 of band) | |
| Auto loans | $498,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |

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

- 2026-08-19 [First Pacific Bank Announces CFO Retirement and Transition Plan - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPOUstTll6WWFjYjNXZEFiT2ZJNmFrNWRua1lLai13WFAwb1lObkpNTk91UU1SbEQ5YVh2czBhNVkwUGxKaHNUdzdWaG0wMXhoRjlIME9KaEk5MHNnb0pIaXBnd0NTZGQyQU9WX1AyTkpQUU1JUzJsYS1tZzRtYVhlOWk3RUhoWEFkUTRwdE5FcFJ5allLRUdVblgxM1VZdw?oc=5) · Yahoo Finance
- 2024-11-10 [James Ellwood Hansen Obituary Nov 10, 2024 - altogetherfuneral.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQVZRb0pvejJPdVZCV3RyY1J6NUltY3ZEVDhOUkl3WGtLTzZJdFlPSW92SWRnTFZzVlhvczBaZ2FHVUVSb0dfYU5KYXgyWVZlQ3JLQ1NHZDVUUDlMMWYwLVZXYmdDY09HcnFqcFoxd2VjUzJqV2N1UXNZYTZqMUFSbUM0ejBrZjM4MmV3Vm5SMDk3Szd5TkNhdklxbm9hYzN4UnJNcnkzVk9XaFE?oc=5) · altogetherfuneral.com
- 2011-11-12 [Acquisitions Drive Big Gains on Assets, Jobs for Banks Here - Orange County Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxPU3g5RlF6WVliWUJLMEgzNEw1czhPVklfVHY3aFk4bGt6YTdYQ3F1S2RHVFVncVR2MG5YeWdiYUhXbTFaOTBBNm83QnFpV0M1NGVXd2dhRDZDVHVWVU9JOXdRS2l4YktDRkcxV1FnMXRqNFBCX1o1czFqRjJ4cmlqZndSWlNDbXZjRjY1Mm15Yw?oc=5) · Orange County Business Journal
- 2008-06-24 [Bank robbery in your neighborhood? Check our map - Orange County Register](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdFpWelZQa25mSURHNnZKNGJzYXhxT3ZXSk1iWGdHNnZOVVl2YmxMMVc0U04xMlZEcmdwZklmZEduODlWRmMwWDEzMkN0YjFzNzlZU2gweFhKSVI1eklUc0p0X2FqdEFZTVdqRWdLQ3lrMWNXSnhUYjJ4ejljRGRpam42b0ZCUUxtMjJSWl9Zaw?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35535 (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/15.json (key "35535", 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