# MISSION OAKS NATIONAL BANK
TEMECULA, CA · FDIC certificate 57021 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $98.5M | |
| Deposits | $88.5M | |
| Loans and leases | $67.3M | |
| Total equity | $9.3M | |
| Loans / deposits | 73.18% (p60 of band) | 68.03% |
| Liquid assets / assets | 29.02% (p35 of band) | |
| Uninsured deposits / deposits | 16.30% (p67 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.38% (p32 of band) | 10.34% |
| Unrealized securities loss / equity | 1.73% (p85 of band) | -0.15% |
| AOCI / equity | -0.09% (p5 of band) | |
| ROA (annualized) | -0.81% (p4 of band) | 0.74% |
| Net interest margin | 4.03% (p74 of band) | 3.59% |
| Efficiency ratio | 118.82% (p96 of band) | |
| Noncurrent loans | 10.86% (p99 of band) | 0.94% |
| Net charge-offs (annualized) | 0.22% (p87 of band) | |
| Reserve coverage of noncurrent | 34.65% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 34.34% (p71 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 | -6.4% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 6 | capital falling |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking |  |
| 2012-06 | 9 | uninsured deposits leaving |  |
| 2012-09 | 8 |  | capital falling |
| 2012-12 | 7 |  | uninsured deposits leaving |
| 2013-03 | 7 | uninsured deposits leaving | losing money |
| 2013-06 | 6 |  | uninsured deposits leaving |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | charge-offs p90 |
| 2014-03 | 6 | losing money |  |

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

- 2014-02-03 [TEMECULA: Mission Oaks National Bank to merge with AltaPacific - pressenterprise.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMVlIODJ2VXBKb1RxS2ZHVy1oNFltNmJLR0VscUdibXVqWEF1NXdFdW9fSTQwVWdPTURsQ3M2VTBEQjF4Skt5ZTZFZkJOTVZRSEkyUlVEZU8xOUo3OFdib3lVZV82UE9NV1RuQlZ4SGJjNzJWZVhrcGR5eUR1M0I0anhaVGE4YjhyWnZOdHB6SGQ0c3JoYUlrdVZ3R3ExeG0zaWtxR2tHWko?oc=5) · pressenterprise.com
- 2008-05-01 [Richard Speck Obituary (2008) - Temecula/Murrieta, CA - The Press-Enterprise - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSE1HUXdZRHJlT0tPS1BKdmRudWhoTlM1TV80TFpqWWlNMl9UQmVWQXg4RGYza1RIU3VwVGJ5c3R1Rk45ZkwwR2Ztd3pSblZVQXhNLVAzQU1KRTQ3Z25ocC1hcnFPaFliVGdBSlZXbUg5UjVKR3dPUkt6M0pFSHhBR19oS0lnUHRfZDVJNDAtUFJsZ3luQjVB?oc=5) · legacy.com
- 2001-05-22 [Trust fund set up for Temecula boy - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbkI2LXRZVlhSNHJ1YXV0Y1QtZkM3NFpEYlpWYmtqUk9FdUZZalhnNU5zQVhYNWhjRks2eFJ4UnJfZGtrSVRxUncweENHX3l2QmNadGZkSWVaaXA0a1FrQ0RPRnVXaEV1OE5uSDNKblBXbGNoUG55MklmLTVYQlk0c1cwc1J6c01Melcw?oc=5) · San Diego Union-Tribune
- 2024-06-09 [Kylee McCreight Obituary - Sun City/Menifee, CA - pressenterprise.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNYUVJUUdJNzV0TmVHVnN1X0F4cXJaUG5WZjVxU0ppc1VLZWpCeFZyc21GOGpuV0hOS1BfUTdKZ3lJclJsb194d1JnQXJZWDRkZV9mRnFkaHZ5RVpLMzVMdEpNbk8wQ1JqZC15Y2xUNC10bDlFMDhDdzBWSHk5dHc1ZDZkdkhTaXN3OVE?oc=5) · pressenterprise.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57021 (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 "57021", 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