# GOLDEN STATE BANK
GLENDALE, CA · FDIC certificate 57585 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $1.00B | |
| Deposits | $856.6M | |
| Loans and leases | $858.1M | |
| Total equity | $109.0M | |
| Loans / deposits | 98.86% (p83 of band) | 87.10% |
| Liquid assets / assets | 13.23% (p15 of band) | |
| Uninsured deposits / deposits | 47.82% (p88 of band) | 30.76% |
| Brokered deposits | 3.39% | |
| Wholesale funding | 5.91% (p50 of band) | |
| FHLB advances / assets | 2.50% | |
| Tier 1 leverage | 11.04% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | 0.01% (p99 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.26% (p50 of band) | 1.26% |
| Net interest margin | 4.31% (p82 of band) | 3.70% |
| Efficiency ratio | 58.17% (p47 of band) | |
| Noncurrent loans | 0.82% (p67 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 159.31% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 40.48% (p43 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $16.1M (15% of equity) (p90 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | leverage <7% |  |
| 2011-09 | 7 | capital falling |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 8 | assets shrinking |  |
| 2012-06 | 8 | deposits shrinking | charge-offs p90 |
| 2012-09 | 9 | charge-offs p90 |  |
| 2012-12 | 8 |  | capital falling |
| 2013-03 | 7 |  | charge-offs p90 |
| 2013-06 | 7 |  |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 4 |  | leverage <7%, assets shrinking, deposits shrinking |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 | capital falling | noncurrent p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | reserve under noncurrent |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | losing money |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | expense ratio p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, construction >100% equity |  |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling, construction >100% equity |
| 2018-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 3 | loans exceed deposits, capital falling, construction >100% equity |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | construction >100% equity |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 0 |  | capital falling, reserve under noncurrent |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 4 | capital falling, losing money, construction >100% equity |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 1 |  | expense ratio p90, losing money |
| 2021-06 | 1 | capital falling | construction >100% equity |
| 2021-09 | 3 | uninsured deposits >50%, construction >100% equity |  |
| 2021-12 | 0 |  | capital falling, uninsured deposits >50%, construction >100% equity |
| 2022-03 | 1 | uninsured deposits >50% |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 2 | run vulnerability | capital falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | noncurrent p90, reserve under noncurrent | run vulnerability |
| 2023-09 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 2 | run vulnerability |  |
| 2024-06 | 3 | brokered >10% |  |
| 2024-09 | 2 | wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2024-12 | 1 |  | wholesale funding >15% |
| 2025-03 | 2 | wholesale funding >15% |  |
| 2025-06 | 2 | reserve under noncurrent | wholesale funding >15% |
| 2025-09 | 2 | capital falling | brokered >10% |
| 2025-12 | 0 |  | reserve under noncurrent, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2017-01-18 [California-Based Golden State Bank and Armenia’s Ameriabank Announce Collaboration - The Armenian Weekly](https://news.google.com/rss/articles/CBMivAFBVV95cUxQcUlaWUpXcTYxcG1MM2VqbTV4eHB5MkNYOTdnSm8xb1B1c3ludFVmOUxrT29neWFUajJmNm9LNWZWcFk1amRXRVlaOUM1NS1ZNEVvNy1ZTm5uZE5QYWV4WW9CTXo4a3phT3dzbVNDeFRfRlhFa1hOTm42b3RCQ3lNZTN1RDFISjd1c0xybEdnWjdsQ1FCd1o2cGdDT0Nvb25XaWtCcU5nZFh1aEFJN18yWnNKcFotVWowTFRmNA?oc=5) · The Armenian Weekly
- 2025-01-13 [Membership and Leadership Announcements 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/CBMi-gFBVV95cUxOT2hQRHYzeEVpekl3dm1NU0FUTDZXR2tkXzVVSFRSektQX2VIM2ZTbjU4NEItdEs4YWdfTF9YUEt0MVlSeHRsMWNfaWRIWTRBUFhBVzFiTmtkN0d0cFJHMUxlSHZVMUZRd3lOUU8yQWRzY3k2a2pIMEJqb0NpSlY0czRLV0ctQXlOYXgzV0RZSl90bXJaV095Ulgwd19ZY1pCamd2Q0xKNDlHbkxUYmJqVnNFb3pHanM3eGRZN04yRXNfODZSUjVzUGNyRjg3N3lfd3pKc2xxdkJVYk9SRmJmM0E5NzNQRzUtWWkzYVVJZ0FGVDJPTy1Vc05R?oc=5) · Federal Reserve Bank of San Francisco
- 2023-08-02 [Leader’s of Influence: Banking – Robert Setrakian - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYTZTUGJRUnJsbnVIQzFzYU1mUWdiOWduWXZob0ZqLXk5UlRrdHRucXBZYnZYZ3A4b3l2WnVBY05RNlF3c3kzN2U0eDZUNEo5NjJta1laWkJNMnBvU1ozamlvODBPaVVVVmdNR21fMTRBTjBkaERTY2dGeklNYWVmRWFmWTZXc25HcWVDQmVZWE9NQ0F4SHc?oc=5) · Los Angeles Business Journal
- 2017-01-18 [US Golden State Bank and Ameriabank sign MoU - Armenpress](https://news.google.com/rss/articles/CBMiUEFVX3lxTFB2X2YxcFpZcG8yaHZtMk9rQ2VjUThWa050U3hqNHhoQmc3eXU0SndwZXRHeFhrQm9QSVlLRV9yRDM2blViRXFsY09mSlhraHg50gFWQVVfeXFMT2hrMVVtTXVkT3ZoaXhoMThZSFllM2xpM2k0SDJOZ21DMlY1SERQN0piUnFOdlhQajJoLUtLcHhJV2V2QW5yZ1R5blJBU3psdmxmZlExalE?oc=5) · Armenpress
- 2017-07-28 [GSBX Stock Price and Chart — OTC:GSBX - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1DLXcxVVoxVG9zODdJbHZUdHRKMS1QS3NlNVktb1QyZUN1TF9mZ25EZVhpWWtYQ09JRjllUzNtVEp2bFdUSGN0NHJqWTZWWmNvZ01MaEVjTEo?oc=5) · TradingView
- 2017-01-18 [Ameriabank and California based Golden State Bank sign Cooperation Memorandum of Understanding - АрмИнфо](https://news.google.com/rss/articles/CBMiX0FVX3lxTE02b0o3ZmY1SUhPQ2VjcFBabUhqTHRXQ1V4b0pQb0k3aHl2MXZ2Vy1lUW5kOWhyZjVoNHMxZHcxV0I4eEN1UTRNb2Q0ZWFQMXhsR0l5OHgzQkUwNkJfSUxn?oc=5) · АрмИнфо
- 2018-09-25 [Armenian Bar Association & American University of Armenia Launch Legal Clinic - The Armenian Mirror-Spectator](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbTFCQV9RV3BacVlGWTh4bWp4YkxXejlPdEMyLWFWaDF1dEw0aTJ0OUF0MWNoQWxteEhwY3lQZ29sTDlEcFhCZUhMc1lHT1NlSlpGTkp3M01RT1c3aDJYRE1UQzhaRG9oa0U5S01OcVo3VWU4Q0ZYNkxRcWVfek4temJfY2FVMEl4c3pXbnhJOHFuaWZiT2ljSDlsTFNvWmR6aXk3VnN6TFY2NkExR2Nzejhib2duUQ?oc=5) · The Armenian Mirror-Spectator
- 2017-01-18 [Ameriabank and Golden State Bank to cooperate - Banks.am](https://news.google.com/rss/articles/CBMiUEFVX3lxTE5CRmtJYV8xNEVtVlF0Y2doeEtGQWlJWmlGbzBveWZlbmtPQ1JqUURDZ0tXckF2alE2SGRXci1Qd0ozNFZtcTBTdlpoR3loejNC?oc=5) · Banks.am

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57585 (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/49.json (key "57585", 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