# COMMERCE NATIONAL BANK
NEWPORT BEACH, CA · FDIC certificate 57566 · asset band <$300M · latest filing 2013-09 · 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 | $244.8M | |
| Deposits | $189.4M | |
| Loans and leases | $164.3M | |
| Total equity | $28.9M | |
| Loans / deposits | 84.50% (p78 of band) | 69.26% |
| Liquid assets / assets | 31.11% (p41 of band) | |
| Uninsured deposits / deposits | 64.73% (p100 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.21% (p85 of band) | |
| FHLB advances / assets | 10.21% | |
| Tier 1 leverage | 12.34% (p75 of band) | 10.33% |
| Unrealized securities loss / equity | -11.24% (p9 of band) | -0.53% |
| AOCI / equity | -5.13% (p36 of band) | |
| ROA (annualized) | 0.15% (p14 of band) | 0.77% |
| Net interest margin | 3.87% (p64 of band) | 3.62% |
| Efficiency ratio | 93.67% (p87 of band) | |
| Noncurrent loans | 0.71% (p40 of band) | 1.08% |
| Net charge-offs (annualized) | 0.08% (p60 of band) | |
| Reserve coverage of noncurrent | 361.66% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 2.33% (p21 of band) | |
| Auto loans | $3.4M (2.06% of loans; DQ 0.27%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.7% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 0 |  | uninsured deposits >50% |
| 2011-12 | 1 | uninsured deposits >50% |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | charge-offs p90, assets shrinking |
| 2012-09 | 1 |  | deposits shrinking |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | deposits shrinking |  |

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

- 2026-03-05 [The Madawaska Wind Project in Quebec Reaches Financial Close, Paving the Way for Construction Start - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPQTFYNmlJOG1QOXlrekx1NjdGeENzTUtpUmoyV3VyYTBaOGhfbG1peUt3X2xzQlg0bWFncXhNVGlkam1JM3lOSTVsZzk5a3pYLVI3cXB5eERMVUZyYjBKSjlyWF9NZjBCQ1hkQ05Ra0E1TWJGbWxsQUxtZWxHemNZM09HNTJmakVGVUVFYkVwbmM4dzdndFhqNlNhWk5FZUczaTVQbklHQ1JmWGhONnpTdGFtX1Q0X1JkR0FnTlNHTGdDVTQwT3NDWGVKU0UwZDVlVFRzUm1temgtY1ZPS3hOenRrcGg4N1ZQOWVJ?oc=5) · Business Wire
- 2026-07-21 [Analysts Offer Insights on Financial Companies: Royal Bank Of Canada (RY) and First Horizon (FHN) - The Globe and Mail](https://news.google.com/rss/articles/CBMihwJBVV95cUxNS0FDTU91UG5xWnRvYnlKRFVWSnRMa3RlLUZBRjhXZUdEUWpfN19HR0xVYUJRV1VQRk1tMFluQnl2bkdzNDJQYS1iakxwZkdQU05xMWp6X05fN2tJaGdvbmtneEg5WGozYXNRWF80RFZiUU1oX3lEMzZhZFY5ME56aWRyaEo1NzBKaEszZ1NEUmJNSGxvSGJweE5jbFJYRDBIUFE3STgyc0ZhckJOSE5IWTRUbHB4N3A3Z0Q0V21naVRTZVBIN24zYUNTTDIyY1lGaUpUREx5dWVKV0Qxak5Jb1lueHlsUXA3RTVNMUs1bF92cjAzRFFoSVBJMlJpaGxKTnM3Qm03WQ?oc=5) · The Globe and Mail
- 2026-04-15 [The Forêt Domaniale Wind Project in Quebec Reaches Financial Close - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZDBKelhLU0RlR1hESnRYV2dmNmpaU2ljYUk1NGpGdV9MelUtOVBlWU9Pd1VzTk9PaUJlVFlrTTA4V2pEb2toN3M1aVRaMnlsMDc3bVZwbjJGRjhNTEhtMW5oN1h0LS1IUnRMalh4b2RwUVBSX25oVlhRNW9sQzg5cGZMcE1KRndNSVBMWjRhblJsVmxhR0ZoVW1zcWVnVlQtSEtySEk2emJybnJWMTB4TVg1T1FuRGV0UFJVRl80NA?oc=5) · Business Wire
- 2026-05-22 [Analysts Conflicted on These Financial Names: Royal Bank Of Canada (RY) and Swiss Re AG (OtherSSREF) - The Globe and Mail](https://news.google.com/rss/articles/CBMiigJBVV95cUxQbm9fQzRaTWVDejFVd2xUUDFfSzh2ZW9SdFlGd2FoUzNZQ1NWZzliT1RmOEJuMkdtWHdnOW1uc3RicEFockZveHVVRmZ6LUc5ZzNBNVNRRElXVy01M0pQR3l2dHdwbjlWUWxhdmNNVzk1bk1MZ2d5YlhCdUwxcTBFUjE5STl2OUxXV0dzamgyd0hwYTFNRXJsenFqRUdNTDVEcnJhRkFrMEpnM1hhSzdCd2tydEVCNDljZk1sN0t3NWRmY1dmdUdCN3FLWEM4YzRfbHpMTWtwb1R6TGcxdzdTMXBBWXJKV2Z3emdOaGFnaW02WTY5WVlaN2JqT0UtTktfaU1IY3hVak9Hdw?oc=5) · The Globe and Mail
- 2026-05-05 [The Madawaska Wind project in Quebec reaches financial start - Energy Global](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSlR6cTJOb2dxSFJWUFFMeUhTQWVJUTE0QzJ4Ujk3eU9GdzU3SUE2SHl5M0FNVWx3V2xJM05ONmNHYVVaaDY0WlNXbU9uNmhzOHB5WTdKUGtENE9tT1gwb1VQaVNFT1N6UVY1UklHR200a2NubGlDR29KTmFQX29xem9xejNDZzl0akJjTGJKbXI0U3RSd2FyZy1rNUxqT0Z5elN0eDVIRQ?oc=5) · Energy Global
- 2025-10-29 [Banks cut prime rates following Bank of Canada's lead - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMiekFVX3lxTE1oemtEYlVQUlBsWERLMTFOc24wajBGVHVYdzJDU1lUR1hiTmJLZTVFWEV2RlRHREVBVGhIMTVNZnEyYWhDN21WSnBWTjlnVWJ0cWFEM09SR1NUcVdWbmJyYVk0M1A5ckFHM3ZPZ290NmtWNHE0RExfMTJR?oc=5) · Yahoo! Finance Canada
- 2019-03-14 [Nine banks win dismissal of Canadian rate-rigging lawsuit in U.S. - Reuters](https://news.google.com/rss/articles/CBMitwFBVV95cUxQTjdvWUEyMk9SZmdyb3c1MGNzZGpYT0ZRRjVSTUFoVFBJcnE4UndCWTRnUnZacjV0YzF5N2pYSGo2dGtBVnVMd1QyTXN5b0RUSmtyNnRpd3dUYW95NXpjT0ItU2RvMGg2dmJxYWdZalBCV2VmNm1aQ2ktcnU2QzZkRDRWcTV5Z0R1c3hxUTZFdGQ2REFkVmEzM0JPc1ZBUFRaOHBxTTFGQ2FmUU51ZWtLMUM3akp2WmM?oc=5) · Reuters
- 2016-07-01 [Banks fund Canada biomass - Global Trade Review (GTR)](https://news.google.com/rss/articles/CBMic0FVX3lxTE1BUTIwMGU2VmhRYWFnZV9rcVc4ZEQyUmo0VXFwUEN0RUVERUtPd2ZMVGNxdHhyU0kzZ0ZFM1U3MDFHRHpuUjl1elRJdUFXc2Z4VWhQUFBSTUVhdHFpR1kyRFlyNF9JZDlPZzRMdXlnamhrTGc?oc=5) · Global Trade Review (GTR)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57566 (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/30.json (key "57566", 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