# ORANGE COUNTY BUSINESS BANK
IRVINE, CA · FDIC certificate 57338 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $190.0M | |
| Deposits | $126.3M | |
| Loans and leases | $128.9M | |
| Total equity | $48.0M | |
| Loans / deposits | 100.64% (p92 of band) | 73.15% |
| Liquid assets / assets | 26.76% (p38 of band) | |
| Uninsured deposits / deposits | 37.09% (p95 of band) | 14.12% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.63% (p76 of band) | |
| FHLB advances / assets | 7.63% | |
| Tier 1 leverage | 22.48% (p96 of band) | 10.64% |
| Unrealized securities loss / equity | -1.51% (p9 of band) | 0.27% |
| AOCI / equity | 0.32% (p82 of band) | |
| ROA (annualized) | 0.59% (p33 of band) | 0.82% |
| Net interest margin | 3.28% (p29 of band) | 3.64% |
| Efficiency ratio | 104.88% (p95 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | -1.15% (p0 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 68% | |
| Construction % of loans | 2.12% (p21 of band) | |
| Auto loans | $11,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | assets shrinking |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 | deposits shrinking | losing money |
| 2012-12 | 3 |  | assets shrinking, deposits shrinking |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 |  | noncurrent p90, capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15% | deposits shrinking, assets shrinking |
| 2015-03 | 2 | expense ratio p90 | loans exceed deposits, wholesale funding >15% |
| 2015-06 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2015-09 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2015-12 | 3 | loans exceed deposits, assets shrinking | deposits shrinking |

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

- 2025-10-27 [Infinity Bank President Thrives on Personal Touch - Orange County Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTGFwaFhfeWtZNWVtZ1h2UG9yZ3pkQkc1Z213cFFvWkxXci1SQ0JCaUlkRGkxQ05JbGpjYjk1dDBOMkRCTEpkV1ZEWWp3RVZZTHNvMWVFbDZ6NVRkUG9zbDl0WDh0NkdXY2F1eW94Qk5NSlBGY01IRXllNVJwZ2tBc0ZmVTdtUQ?oc=5) · Orange County Business Journal
- 2026-04-23 [Allan Randolph Uyesugi - Rafu Shimpo](https://news.google.com/rss/articles/CBMiXEFVX3lxTE8zbzI4eEcwV1hGeU1VdTV0LVNPREJGYnc5MUI3em1LdjMwZmRObXMtNjdEcHY5akpLQ2xIRHN5WDlEX2xGMEV6T3hncWJSdl9rNE9XUUQ1djBuaGhh?oc=5) · Rafu Shimpo
- 2026-03-02 [Allan Uyesugi Obituary - Corona Del Mar, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRm5mSzNvSVZsdnFoc2VBV3dGM1FESm1kTVFZZ2hlaVQ4T3pPcEpMYUxsTnloQzJVRE1JSDk0Yng3eFdkUmZYckZSdjlRblJZdXBwd2RwamZVbl9xMHRReG82Y3BJZXptOTk3d0ZJOHh6UUFjSVIySWRfUklfdW50ckE2NTJ3UWoxUlk4?oc=5) · Dignity Memorial
- 2024-11-17 [OC500 2024: Victor Guerrero - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBBZEZkWEI5TVh3X3BNc3JyLXQ2SEpuQ25mSjQ0SXFWeVY1ZGdFTER4ZEVONDg4SVFlbEd5ZC1pSTMtbzc3bHBWMTg0Q01qcGFPZEhvYlNGSmtYYWpadHpDeDBkeXY3Zw?oc=5) · Orange County Business Journal
- 2010-08-13 [The Crowd: A ‘jewel’ of a night at the Great Park - Los Angeles Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQTltWHZsZWZxNXJ0SEtZSHFjS3pqSjBScWxHTEpGbjFjUWpDZFFJS3VSNjE3eEVfLTlHM3VoNVp1dXJHbGQ5TGlQNlFpX3RoeDJBeTZFdlRQOC1yLTdMTi1QRVRHNkplQ1A0UG95MmVnYnNieGNBTElWT21jRVBxZEZoNjN2T0ZxZkVWcUtEZ2ZjWktnX3c?oc=5) · Los Angeles Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57338 (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 "57338", 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