# PACIFIC COMMERCE BANK
LOS ANGELES, CA · FDIC certificate 57065 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $552.4M | |
| Deposits | $477.8M | |
| Loans and leases | $399.6M | |
| Total equity | $72.9M | |
| Loans / deposits | 82.71% (p43 of band) | 86.00% |
| Liquid assets / assets | 24.16% (p55 of band) | |
| Uninsured deposits / deposits | 50.18% (p97 of band) | 21.20% |
| Brokered deposits | 11.42% | |
| Wholesale funding | 11.42% (p76 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.59% (p72 of band) | 10.47% |
| Unrealized securities loss / equity | 0.00% (p91 of band) | -2.60% |
| AOCI / equity | 0.00% (p95 of band) | |
| ROA (annualized) | 1.22% (p60 of band) | 1.09% |
| Net interest margin | 4.96% (p96 of band) | 3.71% |
| Efficiency ratio | 61.55% (p36 of band) | |
| Noncurrent loans | 0.16% (p22 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 676.96% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 36.64% (p45 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 4 | brokered >10%, losing money, charge-offs p90 |  |
| 2011-09 | 5 | capital falling, noncurrent p90 | brokered >10% |
| 2011-12 | 4 |  | capital falling |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 5 |  | uninsured deposits leaving |
| 2012-09 | 4 |  | noncurrent p90 |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 1 | expense ratio p90 | charge-offs p90, deposits shrinking, assets shrinking |
| 2013-06 | 0 |  | expense ratio p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | loans exceed deposits, expense ratio p90 |  |
| 2014-06 | 2 | wholesale funding >15% | expense ratio p90 |
| 2014-09 | 3 | liquid assets <10%, capital falling | wholesale funding >15% |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 | expense ratio p90 | liquid assets <10% |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | liquid assets <10% | expense ratio p90 |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 3 | wholesale funding >15%, capital falling |  |
| 2016-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | assets shrinking |  |
| 2017-09 | 0 |  | assets shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | brokered >10% |  |
| 2018-06 | 2 | uninsured deposits >50% |  |

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

- 2021-05-09 [First Choice Bancorp Is Acquired for $400 Million - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVTREQU1BaTBXVzY5RndTMmhsYl9WczJLWnpZdU1xSjA3TjFWYlRzdXk5aHp3cEZnNVAyRFVkRkczdmd0ZDhzT3FrRDJkTGt6Y2VoMFRrNG5HdkFRX2hrWGpIUVBReDBzLUNPLVZ4UXJtX2J0VFlHTDdMR2ZjVEhoU01SZ2tCYXM?oc=5) · Los Angeles Business Journal
- 2022-08-20 [OBITUARY: Ken Kasamatsu, 75; Founder of Pacific Commerce Bank - Rafu Shimpo](https://news.google.com/rss/articles/CBMijAFBVV95cUxOaEdhSHFidzFPMVFvUUhvWS1MRGNPM3hlemU0Y3ZsZVNpS2tiVG50X0lscS1hemVVUlVvR1pWZUNBR3FyQTZReW1iOUs3RTFPbHkwcTBITENXWHZwRTZraTI5YzFSNTFyUnJrcUNQcFNXSEFKZkljRld2TkFQSHRiU3RybHVJSE0zVnlfWQ?oc=5) · Rafu Shimpo
- 2016-07-05 [Pacific Commerce Bank (PCBC) - Zacks Investment Research](https://news.google.com/rss/articles/CBMibkFVX3lxTFBGUHF2bm14MHJmdmJoU3hHUmdvTDMwLUdPelJjLU5QU01DaXhiWkd6bHktTmJneGRGNXJhM3JQNkR6YTVWSkVaNXhDR1AtSkFCcEhSZXR0SF8tcTlVM3BiLXhGRmFZNFk1M3FVUTFB?oc=5) · Zacks Investment Research
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2015-01-23 [Daily Business Report-Jan. 23, 2015 - sandiegometro.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE8tQ0k5eW5VU0NuX0M4bkpiV29kQnpVOElnUVdfZ0N5blRaT2F3LXRMZzE5dEFraFBJN0ZYZHdoemVhT0hET3VnVXBud3FTSUZaWXUtcUFQYkRaTUpQZTQtc0tCbk05b3dMeEZITnhfR1BZbGpUR2RmcXVxeEo?oc=5) · sandiegometro.com
- 2019-03-03 [As head of the L.A. Chamber, Maria Salinas is getting down to business - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMitwFBVV95cUxNOFozT1NvUmVXYnpRTmdELXNiMy1nejEyU1UxZ0ZBRDQzTnlUY1dGM2xMa2JnOEpwOWpQNmV5Rnh1eWVVLVZsS3ZWZC1Rd2d0QVBfQkstSExKdTJPZW5GNTMtaHZGc1oyUldva3hzOGY5ZFZJX0E1b3R4am5GdDg5aVhxTFNJOXVEOW95VHY1MFIwRXhTb3hMckF4ajNMMWYxOUVvT0RpamN0NUdFTjZwLVFzU2l6R2s?oc=5) · San Diego Union-Tribune
- 2025-08-22 [Thomas Iino, East West Players to Serve as Marshals for Nisei Week Grand Parade - Rafu Shimpo](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbFZLWmt2RWxtTERNSmN5VjFNcEpGRjhpTHZleEcxaUZHNWM5MzZWbEFpUGxsTlY4Q3hkLXVCWnUtWUthN0dUNGZJOS12aGQ0Q0tIbDdxeVJWeVlhclRKbThOa1hOVy1FRGNtdEg1cW5ZTmJxZmFIUjFCRmFfUFkzUmRDQk96QXdTS2xTamswLUpRY2xMM0t2Nnp5LW1ERHZaYzFFLWNwZw?oc=5) · Rafu Shimpo
- 2015-06-10 [Richard McManus Obituary (1921 - 2015) - San Diego, CA - San Diego Union-Tribune - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOT19PZk9oTHFLVXYwYnBCQ2tmbVFROFRnM2o5eldOdXFLaEpFZEs0RlI1UU9KYkloOTRkMmFqMDh0SmNfajFxTG0ydm85bTJCOGxBVk05VmhONE5YNV85TktUTXE1VnhHUGNKMjFfcVNma3hCc0trN3c1SzZkZ19BcmIxQnl6UGlsR3V4TGFDZ3NmakxNaG9tcWtNeUFXem1j?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57065 (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/41.json (key "57065", 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