# SAN DIEGO TRUST BANK
SAN DIEGO, CA · FDIC certificate 57608 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $210.9M | |
| Deposits | $182.3M | |
| Loans and leases | $38.0M | |
| Total equity | $25.5M | |
| Loans / deposits | 20.28% (p3 of band) | 66.54% |
| Liquid assets / assets | 77.45% (p97 of band) | |
| Uninsured deposits / deposits | 35.81% (p97 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.87% (p47 of band) | 10.04% |
| Unrealized securities loss / equity | 26.62% (p100 of band) | 2.48% |
| AOCI / equity | -2.11% (p5 of band) | |
| ROA (annualized) | 0.51% (p36 of band) | 0.72% |
| Net interest margin | 2.78% (p14 of band) | 3.55% |
| Efficiency ratio | 79.81% (p61 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 15.04% (p50 of band) | |
| Auto loans | $2,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

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

- 2024-11-08 [Department of Financial Institutions Announces New State Bank – San Diego Trust Bank - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxONFBDT1FYaUp4ZGdwamt3VF9hb2xDbHR0MGczVl9Ta3BmdmduNGZPQ1dJQlhrVThHeVFNRG1EamE2WXlkOHVDSi1aRWVWT0dvcFZ1X296VkJwY3dHLTIzcGZlazloWnNuZG5HSjRqMWhNUVlvZlpCbVZYQlhZaU9ZVjFzbGFOVzlPUUFQZkFhUFJJLTdadmF4bGdGRU03ZkxfZ0pPZWx1RXFyRFFmc1hRYkRtejlud044?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2013-03-06 [SD Trust Bank sold to Pacific Premier - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdk5NYXVZN0RSSk9TUDUtWVpYcDJvemNMUHdWVS1nRk9EZUtmOV9Ra0M2LTk5RDNLY3h4M1UyYUxKekdibHF2NGVoOGpqajNIMTNKck5RVDQwbmNVcnhVZWJveTRpbnctUVY0V2QxbEhRZXJHTEp0VHRiTXQ5Wk5OWUVmSFUzZC1YUmpJcy1XYw?oc=5) · San Diego Union-Tribune
- 2018-12-10 [CalChamber Elects 2019 Board Officers - CalChamber](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdkdnUmhaME84bTJmTjViSDhoZVl2OEpTd2ZwUC13ZU01Sk9nMWNMWXFBR0hxR19hWE1DTVFQdndhR0dnaDg3X2J4MjcwbWNVczlPRlFFaWhVcWY3bnVlMjZWWXktbTlpeVozVUNFUXdxSXViRXVRaVhjWWtoSVJ1LXNJLU53Ql82cU40?oc=5) · CalChamber
- 2020-03-14 [William Cole Obituary (1928 - 2020) - San Diego, CA - San Diego Union-Tribune - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNelJQOEdoNkFtWlRuVzVYb1BuN2dWbDRiZ1JUUG1QSkI1MERtNzg2OFc4aHZUNnNjVzNvQTQtWWFWRkYzNG9OX2RsZEpiV0JTbzh3eng5X29JVXFLTWFtNGxPYlZjU2VGTmo4VlFFWVM1ei1xd3g1WTV0WHpoMzFxTjBVMGZ2YTN6alRfZ0t1bGJpMGF4eHpVUVNxVQ?oc=5) · legacy.com
- 2012-09-10 [Cover Story — 40 Under 40 Awards 2012 - sandiegometro.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPOVk0bE5nTmtZNkJjTFVuY08yMm1OWHFlWGR1dDAyU29SektsLUlrMnA1Z0x2MWJ5S3dSdkV4WEJLaXJwbDZEMS03NVlnajV5TklYWEdXRkVUTXFRdDNYeDRodjRULUQ4V3oyaWVxYURBVHZfQi1kN3dqYTRuYUJoZGthRS1ab2tCSUVYdA?oc=5) · sandiegometro.com
- 2013-06-28 [HID to make 2 million green cards - Orange County Register](https://news.google.com/rss/articles/CBMifEFVX3lxTE9KN2trQVF5NFFLZEZMTFp1dFhFQVZCZ3U2VjE0Zm5KOENwSHBqNVJDUW1ucUlmN2hCZXI3LTU1ZjVvRDlQTm9tV2VUVjJUMGlxT0lwd2NxWDNoRlpSZ1U0MWpBQ1JoUHh3NnNRTHVGY05WdFVmV3VRbVY0Y2Q?oc=5) · Orange County Register
- 2024-02-29 [CalChamber Women Board Members Making History - CalChamber](https://news.google.com/rss/articles/CBMie0FVX3lxTE91QnE3eWs0NXYtcnNZSmh0M2pfNXo1QkVyekZ4R1p6VEcwbmZYOUxxNHhxTjgtaXYzcjFXZW5DMHRJVXc2Vno5UjJyNTkzelhHaDZacFZkUGEzQTVWY0x5TXBXS1BfZzFQczlUWW11WThsSy1lV1NxS1Y3dw?oc=5) · CalChamber
- 2011-07-10 [Teen hopes to be home for his 20th birthday - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxQUXNnZDBqT0N1Yi1jRVBNT3AwNy1ZLUl4T3pOa2NOVXBBX0VRRlg5ZzRnd05fam05djNRc1AtYTU1U1V0REpESGtRUGNCMEZzZkFIUUtWYlJpb1NXMDA2THdnNVBkNl9HUmljbHFWQ3B3QUROSjBGenNwWlFHUExvUWRUczRlM1F5SXRrN1VtcU9mWnpvYWJZ?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57608 (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/8.json (key "57608", 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