# CALIFORNIA COMMUNITY BANK
ESCONDIDO, CA · FDIC certificate 57533 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $236.0M | |
| Deposits | $209.3M | |
| Loans and leases | $177.8M | |
| Total equity | $26.0M | |
| Loans / deposits | 82.63% (p76 of band) | 69.20% |
| Liquid assets / assets | 24.74% (p27 of band) | |
| Uninsured deposits / deposits | 14.53% (p78 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.37% (p54 of band) | 10.13% |
| Unrealized securities loss / equity | 2.87% (p43 of band) | 3.81% |
| AOCI / equity | 0.76% (p63 of band) | |
| ROA (annualized) | -0.02% (p12 of band) | 0.80% |
| Net interest margin | 3.75% (p49 of band) | 3.77% |
| Efficiency ratio | 70.37% (p44 of band) | |
| Noncurrent loans | 2.43% (p69 of band) | 1.27% |
| Net charge-offs (annualized) | 0.20% (p66 of band) | |
| Reserve coverage of noncurrent | 113.37% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 9.18% (p38 of band) | |
| Auto loans | $90,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 1 | losing money |  |

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

- 2025-06-09 [Stephen Pahl to Join Bank Chairmen Panel at CCBN Directors Roundtable - Spencer Fane](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOTUtsMll0aDBnT0VQeUtiSXA0UTZ4V0FHSF9jLTJHeDlDZ3J1SWJ1Tll2NkItb2dxZm1jRWVmSmRhWEJ1Z05SRU5jWE9YdURhdHJpZzlUNlVETE5JekpKM3oxT1B2c3FFUzZQc295aWwzS2UtdUN0bFF4ZjRhWFgwbVNVTmRnV2k3Zi15Nmp4eE4wdnF1S2VTY3BxNldqU1lNZHV4SGVSZ2ViQQ?oc=5) · Spencer Fane
- 2026-04-01 [Community West Completes United Security Merger, Forms $5B California Community Bank - National Mortgage Professional](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRjBSbFByYk1WYldDWGNsc3Y4bzJQS2xhMXRZWFNwNzg0NERwSUJOUDBCM21iYUhiN1dQUWJqdEJpZ3cyRElyRmxERWVBZ1FXa3NGZXhBdHRadGxvV3ZQN0N2SXJoc2tZQ3NOWjRvcjdzXzhIbHBvblJkLTc2ekRqRURFUU1HOVpzOUhPeEszMEpEeWUzelZwVFdKTmkzZE5PQkJhR0psTEFTTVh4V1liQmpZdjVrYlBoaEVsZjlPeDJrS2N0RGtZ?oc=5) · National Mortgage Professional
- 2022-04-13 [Central Valley Community Bank Names Jeff M. Martin Executive Vice President, Market Executive - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQU3ZlREhVVmIyNlF3c0xudXMzQlp0ckppa0ZmTnd6aDZPOEdKd2tyOEllYWsyc2gtQ0tvWkxLV0w3N2dFYXJDRjdtNnhEeGdZRlhSYnNza1ZYVnVqSXk2R0pZUzhyVktibWZUekdSaENhcEJ0Z1dzSWFid3VSUVJfakc3YTJ0R2pQcFdUc3Q2Z1JWSHJMX3dCUUJSU0xmSlA4c3plaE05bzhoSG5NWkcxZ3RwTkdwclRIYVg2NjIyRk9SOHJId2RoZGEwS25xNWI1VDFuMm9QRG9nNGMzcWV0c0EwQQ?oc=5) · Business Wire
- 2013-06-17 [Malaga Bank Ranked No. 1 California Community Bank - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSkdBQWpsTmk0Y0MwdkpheV9JNzFwQWhWSnVrQ0h4Qk1xV3lNd0lUTHpMZE40RlRzV2hRQnI5bk4xREN4SDBxVDBrR2FUOTZacWJzWHR1Uk1PM1l6akw2eXREZFpxUkQwNEdaMmJac3lmVFdvbEdId3pTei1VN1lNbnlqUWg5eGhBdEJpWjRTN1FsSkF0?oc=5) · Patch
- 2026-08-26 [Mission Valley Bank Names Brian Carlson President and CEO in Planned Leadership Succession - Voice of Alexandria](https://news.google.com/rss/articles/CBMiqgJBVV95cUxQanNfZk1VVW1ycEl6eEU2Yjcxbl9CQ21VeXBNc2UxakM4QnpfM1hOYmp0Vll2U3B3TTJlSm4zNDZPdkZWY1Bma1picjZ4SXFyaXU5eG9wa2Zoa1NLTWNCbGlXcHU2d2hzb1Q5Tzl3ekN6RTNIdFc3VmpJVnJwLWlyc1pfUDY0bUhSckdoZEVGQ1QwcVlmOEMwYW9sSjY4VEhUVG4wUktrZ3Z0R0VIQU5qQzZ5Tnl5QUNnMUlkQ3FmUmdrVzdrbHpmTUxkeWppbHlsVVRqYTZGRFYwSTFaMmtVNEFpVTQyOXV0UzFmWXZlUnYxZmxtVWU4YzhZbl94djJaNzI3aGhpbnZvZXBUNzYwQ3RKNDRlZTlnWFdBT0JWRmFUZVo5cjNkU29n?oc=5) · Voice of Alexandria
- 2012-01-30 [Leaders in commercial banking - The Press Democrat](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUmZrbW8tSzhrRHhhcUxxUDkzYUVRUmpwN29tXzdGZGFmWVozb1ZCUVVRVGVrMmFKSThuVUh3NEhpRjdYUkRvTFNrV3FYR21GcEV5MkFJWlJFQjVjdkhickpUTWJ3VmFSUW0wblVWbkVLX1p1YUwtY1ZVOWR2LU1DVk5NZnZVdmRmcjAxdWxCZTFYRFpHMUI0?oc=5) · The Press Democrat
- 2012-04-24 [Rabobank tops in customer satisfaction - Gilroy Dispatch](https://news.google.com/rss/articles/CBMidEFVX3lxTFBGTm11VDI0ZFEtdjlCYmVkenZHd2p4TWx1Z00teW5EYlZ2VHRWN1R6X1hnaW1Yd2RNLUFtOFlfVG9ISEVnUVE5NWZOOWtjOEhLTEl0WklTenNBX2F2YW9sckU4ODBoT1czTWl2aTRNWG1VZUNv?oc=5) · Gilroy Dispatch
- 2020-10-22 [Endeavor Bank Names New Chief Operations Officer, Chief Banking Officer, and Director of Community Relations - Business Wire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPQ3NCc0pWRVBraHl3SzJKOE12ZGRpOFVBTlhlbkdzM2Nzem8xcVdvcURfUkJpR3BuVE5xbjlUbWpRay0tdmEzdEFoMDZkZ2RkbFk3dDdxRm1fbHByTTR2ZEhTU3h6ZGFRbFptd2ZWczRpVGZyWDlOMzRxT0tFZEdmMjJqT1NyMWJMbU9jcGp6ZXJGNEZaLVpYU0hkZ3dSQkNBZTdkQ2g4QWItMWxRTUMxRmZQX0hKcXBqRHNKMEdYakdobUtQMXBLX0lFTjAyY3drUEpMR1dJUW5LOGhtZzFpM3RocmlHTUFEYkNvTkVZVjhkVDZSeHc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57533 (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 "57533", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide