# SEACOAST COMMERCE BANK
SAN DIEGO, CA · FDIC certificate 57428 · asset band $1-10B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $1.33B | |
| Deposits | $1.01B | |
| Loans and leases | $1.16B | |
| Total equity | $139.6M | |
| Loans / deposits | 114.79% (p95 of band) | 86.00% |
| Liquid assets / assets | 5.63% (p1 of band) | |
| Uninsured deposits / deposits | 56.39% (p92 of band) | 29.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.51% (p76 of band) | |
| FHLB advances / assets | 6.03% | |
| Tier 1 leverage | 8.35% (p16 of band) | 9.58% |
| Unrealized securities loss / equity | 0.00% (p13 of band) | 2.51% |
| AOCI / equity | 0.00% (p11 of band) | |
| ROA (annualized) | 1.15% (p65 of band) | 0.99% |
| Net interest margin | 5.21% (p98 of band) | 3.42% |
| Efficiency ratio | 68.53% (p77 of band) | |
| Noncurrent loans | 0.41% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 154.39% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 42.40% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 18.0% | |
| Employees | 152 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **liquid assets <10%** (`liq_thin`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 4 | loans exceed deposits, liquid assets <10%, capital falling, charge-offs p90 |  |
| 2012-12 | 5 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2013-03 | 5 |  |  |
| 2013-06 | 2 |  | loans exceed deposits, brokered >10%, wholesale funding >15% |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | liquid assets <10% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | liquid assets <10% |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | reserve under noncurrent |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-03 | 4 | uninsured deposits >50%, run vulnerability, reserve under noncurrent | liquid assets <10% |
| 2018-06 | 3 |  | reserve under noncurrent |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 2 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2019-09 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2019-12 | 4 | reserve under noncurrent | loans exceed deposits |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | loans exceed deposits | reserve under noncurrent |
| 2020-09 | 4 |  |  |

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

- 2020-08-20 [Enterprise Financial Services Corp to Acquire Seacoast Commerce Banc Holdings - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOdEp1MjM2X2FuR2hWNGNtWk1iU0VpNUhqLXBUcWtXalpKdTM5dm1JcC00SjFiZm5yRnJ2TWx3RGJCRFRlSkk2TDZfc1pBTXBDd2xPWWNaVVhqQ0x3dmNWYWdyT3J4OTNyYXZ2V3BCSXdLLWRYdVBQdDR0aEVNd0dQUUZZX1VySWkwemsyVVhxNzBDYUtsNEQyUlB4VkhOcFFnUVBLX2dpM2ItUzVFdWZQTlVlbDhFUTdoajlxcTdCYkhnYUtGbHNmcnEzX1RtcEE?oc=5) · Business Wire
- 2020-01-22 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi1AFBVV95cUxORUpubVlnMm9GaEd5Z0lnNTJqMVM4Zlg0eHRLQTNMUlRvekV5V1JjT2llclpzNWl5ZXdNeEUxRlVCSzE0aG9WeXl0NTNzMXliaUVHV25oc0xqYUw5VmpuWDJpMkdIVXl1VmE2Vk1OWmpuVFNiUE9QUTZGODNQWHhxSHNpa2V2NURjMWtUSUZIS3JFMjJrM0xrLXkzR1ZGRm5LSHlBQm45UG9sdzVlNmp5RjZNQlJrOS0tZ29SWjZibllvVzBaVUhRRGp1MExkeUJOWXdsSA?oc=5) · Federal Reserve Bank of San Francisco
- 2026-01-25 [Natalie Soto: Leaning on the AFC Professional Community - acams.org](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaF9BcVpvSzZVbmpNNEdmRlVpQXpfLWcwaWlvc2ZPZGFDYkJnZEdGUlJOa0FBdWZqbkxieUxzN2VBSEF4YjVoSlhJNEJtZDJBR1JtcU4wcl9VblRwNEFFVm1SQ3Z3a2xWR0VTcFNFVVE0cS1vd1lIak9qajJWMGFndkV6VlpMZWpYcFN0LU9IN3U?oc=5) · acams.org
- 2018-01-12 [Membership Appointments Announced for the Federal Reserve Bank of San Francisco’s Community Depository Institutions Advisory Council - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPeUJNalJOZjFBZ3dsVGRvZ3otc0FUSjFfUHJ0Xy0taFlfTXl1dnNNN1NmVzdMUEQtN0cwSm9CQ0ZHZEk2RUlYMzNzcWNqcnZTMnZwM29TamozN0hINTRUTlh3NXI4RlhYR09XbGRBOWlOUHZhcEFZOVpwdzNQcE9jZ2xybWlkSHVRRXg3YXRUa09IZlY5M0NXdlBobVVORzNKNUtNSWU5VXVZOXpmdXZWQ3NSSnZMM3JuRlZMVWh0YXZzV1lhV2U1X1VjMURZaXFkYkZSZTFUOU5yVDg2dnFaQzBOTVk4OXJiUTdveVRnZw?oc=5) · Federal Reserve Bank of San Francisco
- 2021-01-24 [The 2021 Money Issue SBA Lenders Directory - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQTItaTFhM3FKTHJyVzBQUFZnc3N5NWFweGVBWXl1endvWUJtVm43WUJwemNicnczbWx0eE5DVHpYdnRVS05tYnJHX3ZiRHZ1NS1PNE56WDFhN25YMVM1VEVGckNXWEJWeUhEaHA3UW9fS1N0Mm5UMWYzNzBrUW1KY0lpQ25qdEhT?oc=5) · Los Angeles Business Journal
- 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
- 2026-01-31 [Melissa Triplett, CAMS-Audit: Saying Yes to New Opportunities - acams.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxNLWhZSUhOT1pNU1VITlViT2xrM1FYOFlxVHJ1b3ZwMUI4WGdudWxGdVlYb2w0Znl3dks0OGREd1VzNVNQYzRmRVprMm1uM1RXRVdqbm1oSDRMYy1QUV9qcXhrRUZIVHpMNkZkb3h3aG1uaUNYZHJNUGhrMjNBakR3LURMRUdVNmNQVldjdDZ2czFTMkItdW5R?oc=5) · acams.org
- 2012-03-26 [Daily Business Report — March 26, 2012 - sandiegometro.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNVXVreGFfMXFhR0lBMWZYRldDaFlpWXBKYVM4bEt6OUUtdmY4di12aEYxMTNPMUpwc0lzT1E1UmtQU1B4clZCdEw0c3dGYzRVLWE0eG50dHhMakxTN1ZEc1hjRjdUdjBfWmd3d2dHbzlWN2VlbDhZWGdLM3Zadk9ORGRoOU1jeTFpODEyUHpGMA?oc=5) · sandiegometro.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57428 (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/20.json (key "57428", 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