# TORREY PINES BANK
SAN DIEGO, CA · FDIC certificate 57577 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $2.08B | |
| Deposits | $1.84B | |
| Loans and leases | $1.52B | |
| Total equity | $171.8M | |
| Loans / deposits | 81.63% (p52 of band) | 80.17% |
| Liquid assets / assets | 22.02% (p33 of band) | |
| Uninsured deposits / deposits | 25.68% (p61 of band) | 22.18% |
| Brokered deposits | 10.73% | |
| Wholesale funding | 11.10% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.57% (p21 of band) | 9.79% |
| Unrealized securities loss / equity | -3.30% (p23 of band) | -0.48% |
| AOCI / equity | -3.18% (p39 of band) | |
| ROA (annualized) | 1.09% (p66 of band) | 0.93% |
| Net interest margin | 4.48% (p90 of band) | 3.53% |
| Efficiency ratio | 56.81% (p23 of band) | |
| Noncurrent loans | 0.51% (p17 of band) | 1.32% |
| Net charge-offs (annualized) | 0.04% (p28 of band) | |
| Reserve coverage of noncurrent | 236.35% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 98.95% (p97 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $42.3M (25% of equity) (p97 of band) | |
| Deposits YoY | 14.3% | |
| Employees | 228 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | brokered >10% |  |

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

- 2015-03-09 [Western Alliance to buy California bank, focus on tech - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWVN1SmlqX3RPYXlod09KU0swMzRpTXJoTlJWN1JGNnNxMFRRUzlTVmRYNFBMUGNJRVFlZi1rOEJoMnFUQ3ZKQVJjQ3NENjI5SzZkRDFBaVVORTZmb3VWbkFHQm5rS0Q4X184NkF6MUVNY2dXWXpCbDhrY2lRbUN5MlFqeHpwclRnUGpsS1BTS0tRd0M2eFdpY3lwdHpWX0kzZHhaVVFrYldOV0E3bEQ0ZDFsc3BydGphbmUtM2FR?oc=5) · azcentral.com and The Arizona Republic
- 2025-02-10 [Western Alliance Bank CDs: Pros, Cons, and Current Rates - businessinsider.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQa0pJLUFMTmZRV21DNnNUaGZmTHgyWktDaWdnVGJPeEQ2MjhPRHVzSC1OcGxoX3NtZC1aOG1WNmQ2a1E3am9Lb3NIRVBweWc2THJoTWtkZmdaR2lKV3hLWGNaamxfR0lXYi1xb3RmcWl6dnlfUG9jMGtidXNzMDREamln?oc=5) · businessinsider.com
- 2025-05-20 [Top 100 Bankers | Event Recap - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEpRRWhGbmxZUzREc1RYRk91Y3NKU1g2YUM1MzJmanJidHhKUDI2dVQwbDRJQldVX3J1dFNZUkl1U0lHdXlIb3Qydk5hbTd5RnExSHk1MUQ4allxVjU4VFUtTExvUnJaN3h4S1Roa3JGNGI0Q0hNaUxXYW0xQjUxU2gxenh4eEcxcHZaSGc5cW4zWU5VeUZod016SDRUSmZRR2c?oc=5) · Los Angeles Business Journal
- 2025-08-25 [Local commercial bank's CEO sheds title as institution goes for a rebrand - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUVdrb29ka0lpaW1jczdZVjh6bng2MWU2Zzd3MFNSTFpxVC1DZFBlamY4b3ZHWUdFaElqMVQyQlVQdHRKVzV5TEc2UkZZUElsbU5iNHBRZWZiT29sUHFCdktVSExLVm96RmFKT2JfSnVERHhBUEJ1YlAzOGZCTTBhaE15c0MxVnRGcFNrT1BmYnREU1lLT1Y4M3hmZE8yWGpLSjdyb2ln?oc=5) · The Business Journals
- 2011-06-25 [Torrey Pines Bank Adds Defibrillators - Sudden Cardiac Arrest Foundation](https://news.google.com/rss/articles/CBMifEFVX3lxTFBFLXNZWFV3TnljRDVMbjVReUJuMG1tRWZLQWlTRmMzTGNWMHJQTlpKaGREb29xd2w3eERoYWhFSU9XN1hCbDlYRi0yZHAxNFBadEIzeWQwU2o3WGQxX3RCNEc2cUZGYTZCclRNZk9zTDZRZHc1am9RTVhKWFY?oc=5) · Sudden Cardiac Arrest Foundation
- 2018-04-30 [Homes for LGBT Seniors Open in San Diego - Affordable Housing Finance](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZVJCNlAxSlNtd05jZVFlR1V3OFNvTk5CUWl6Y1ZuMG1CcURkeS1mTXY1RzdfRGhzMzJjYmdVNVN5SlZUMFZlNFBCS2Nkc2hRVjN4X0tLbURsdkpZUXk4MUExRlNndFRiY3l5RnBoSGZxSE1RVENNZHBwdGlHMmZkZm1HZjRIU2p1TFlGVUF2RQ?oc=5) · Affordable Housing Finance
- 2022-01-31 [Financial Institutions: The Digital Age - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxOdGVmVC01MzcybGkxVHRFVWtMamlIXzB5QU5yLXZicFpHazBHel9IQ242MUwxaWRFdEdKZDA4THpCMDJhcTZ4VWRCbzJCa0QzWU41SE9uMmxEeE1PWTY2VnktaDAzendpV3dGMkRvRUhsZWRhdHh3Mll6bDhLZk9aOVRRenpJOGphT3c?oc=5) · Los Angeles Business Journal
- 2022-12-07 [Joan Thurman Obituary - Oceanside, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPb1dDZ2NBckJuM0QtdmMwZlYyc1lsWEVBN3QxRXdUZkV0Ukg4bWxXN3BNZWRJUVNEZVpWc2lhRnNFb09BTFFXWlFuMUFqMWhsUG5MUFNrdlJVTzB1SmNTS29nSDBPWDYzLWFNajdxeG9RemVuVWhsck51eXVYa1NJejhRbw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57577 (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 "57577", 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