# MOTHER LODE BANK
SONORA, CA · FDIC certificate 57637 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $70.5M | |
| Deposits | $65.1M | |
| Loans and leases | $47.2M | |
| Total equity | $5.1M | |
| Loans / deposits | 70.51% (p45 of band) | 73.61% |
| Liquid assets / assets | 33.16% (p52 of band) | |
| Uninsured deposits / deposits | 10.60% (p36 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.00% (p3 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.86% |
| AOCI / equity | 0.04% (p49 of band) | |
| ROA (annualized) | 0.09% (p8 of band) | 0.84% |
| Net interest margin | 3.75% (p57 of band) | 3.64% |
| Efficiency ratio | 97.72% (p92 of band) | |
| Noncurrent loans | 1.68% (p74 of band) | 0.69% |
| Net charge-offs (annualized) | -0.32% (p1 of band) | |
| Reserve coverage of noncurrent | 159.75% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 105.88% (p96 of band) | |
| Auto loans | $8,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | capital falling, expense ratio p90 |  |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 1 |  | losing money, capital falling, expense ratio p90 |
| 2012-06 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 2 | charge-offs p90 | reserve under noncurrent, losing money, noncurrent p90, capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 3 | losing money, uninsured deposits leaving | capital falling |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 | construction >100% equity | expense ratio p90, losing money |
| 2015-06 | 0 |  | capital falling, construction >100% equity |
| 2015-09 | 3 | leverage <7%, expense ratio p90, construction >100% equity |  |

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

- 2015-08-27 [Oak Valley Bancorp Acquiring Mother Lode Bank - myMotherLode.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQV2d0S3VUeEpVdURCYUJCNmtwbTFNMENveENpSE5YT3ZfWE9XTzRnZ0pSNTVkWVV6OVJwcGwtYjVhREJEMTlBbS1OZXkzZFBLQnU2eXBGQWRHdjd2eHNsdlBad1JvNWlTTHRlMTFTTXJaeGxHRXhpRUVlWWh1cEtfSXFXal9IdG9Ra3UwbllnU1RCb2dTN3JQT9IBngFBVV95cUxQY3NscTkwbkw5V0tVV1kyOUxQY0lLWWR3Ym1GQ1hiWHplWV9sOExqVEdUWW1zNlVUM285VGZmdGQ2NFl5YTI4WlNKeU5MUDVBV19jQjRoWWpXejNQcHI5LWxQalV5WjduQ0x2VG5mb2hjSTlhMXRBWnYyR3hqbENWQVNSMXhmZVdLb0w0S3JhRXdpcEhqR3c0YTRsWEdGUQ?oc=5) · myMotherLode.com
- 2015-12-30 [OVCB Names Vassallo As New Vice President - Oakdale Leader](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNTd4X1ZzT0JRU1NfaTI3TThDSkx2Nm1odEQ3NjF6ZzZ3UlNpY19IU1dCLVFuQ011TjBpMzIzbU1IWWZLNjNSWmgyZnJUeDRRVE53Y1F1ODdQQlhrY1ItdktDQkRMVW5MdHJuZ1dRbHdrWkJLMlcwWWtuZlVuNzczYWtlSlFlOTJFbThsXy0wbmRCdUdRYUozUmE4N0E?oc=5) · Oakdale Leader
- 2022-03-26 [Local Bank Taps Sonora Native For Vice President Post - myMotherLode.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQZkdkZm0zRGowNmJwVDd2TXBMdldudzJaSkZxR0xoYm80RUVEcHU5WmdRQXAxRmV5akZIU19LZEgtZXpXcmhFWnhodTJYbU5mMWVfOU50c3FJaTJSaTlLOE15ZzNtOEhMVU9Jbk0zM2ZkVWZscUw4VEYwbjJGSHVRbnJPaGVRNkY2N0RyUE1zZVVRQ0FqeDdZQ1RIN2FTd1M1YWdYZ9IBqgFBVV95cUxObUdralY5M1VLOUVwQ3A2YS01Nm1sZDl0ZmdGRjg1dVBPOWxfSDFGSUFqNzRLOVQ1SmpuSkkzMEdBYXRDUnVQZmx4N1lwMUNrUFRuM1VkVzkxZ2FiYlV2blVHWHNpTFF5T2NSWmM5UHpDRDNxNHVnTXc5dm9xYmZoTi1BaHV0Nm1XN3k1YWVhRFN0eFZFYjFUTWFjU01XRHdGZWlUSXJSMzByUQ?oc=5) · myMotherLode.com
- 2008-11-01 [John "Jack" Sarlo Obituary Nov 1, 2008 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBMa1VrbFFYRnVsbDNIZ0tpN2duVFRPdTVmOFE2S1BpbDJONXNHSHJET2VEOUVGV1d0V3IzZlZQZnNqSEUzZE5ITUFfdU04a3hiTzNaaEpKTWVyNXdWbzhpSmJ0c2pMX3Fu?oc=5) · Lindquist Mortuary
- 2019-03-21 [William Crow Obituary - Placerville, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQdnJqU19xRW5GQjVlckJsd0NlbVc2aFRUVUU5NkVISEI5YmxvQVVjQzhyUTNRRFJ5ODlZZkZlN21MNEpVYVhjRzRfaWVoMnhyN3BzUEJDVXF5ZDZBZ3FJNWhORmNtQlVnWWRnNHJYcG9EQ3JJaXRWRFowN3lydjRGMXU2YUo?oc=5) · Dignity Memorial
- 2018-02-28 [Oak Valley Community Bank Branch Plans March Move - myMotherLode.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPUXdUbXJianlHdGk1bVpPNFJPcmNwQ3JaYjgzZHJVTDF0MjN0eFQtNDA1SHFsVXFWazFOZjdBUG82Rk5sZGJvb2NzTGRONVRhSjVxaU1CQmNQZUEwZ2l3aWp0Qm9EYkN0dTF5V0lzLUJaR1ZvallNQVRWTFE0c0paWmxvRHk4eFVKdmNCX1pHSWRMSTNuYUM2SVVtTUFtZ9IBowFBVV95cUxNU0NtalVzRFVmc3p4RDBBNXFFY2ZNaDZmdjNHRHZsT2Voa0xtelpFc2FjQ2pHdUNBN3Bqa25qNm1PVFlhaWl3Y2dINV9QRFlCUjFjVzllaFVENWtMWmVjbnYtb1FfVG9RblVFTFBTVHlMVG1BVHFmY2V4Z041Y1dLNkRJWkJ2MW1kM1V5X1E2ckFadzVVZjdIRnNqRFh4OWRkZks4?oc=5) · myMotherLode.com
- 2008-04-13 [Stanley Roeseler Obituary (2008) - Roseville, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNeFFuLVlhTjk1SUpKdV9HT185LVdmc19DNlV3bUhRaXVyZGYwaVdmUUJTTU1STGZHMnB1dmdzNUJKTEcycjhWb0FSaTFpb0tuWDlOeTFRMWJuUHhpdmlscVFDUlhnemZacWdLYWlleFd4Z1FYZFVUNUdsR2VTcm1VcUdCZEFCZFR3TUM2S2Vqcw?oc=5) · legacy.com
- 2015-12-09 [New Oak Valley Community Bank Branch Opening Soon - myMotherLode.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcUtmMm02QUpRY3R4cHRORG9NOTdFQzdPR3ZJMDBTclk1SUc4YkF1dG5sYkxMakxTRmM1S2VkMGdRUzNaWHptQmF4SUwzbkZQNVhUQzVSWGpELXJ4ZmlNMG10ZUZNNHFGQ2YzQU1zanppaElSMFlSc0FaY2JNRlZnQWY1dWc0eGY1ZGh2cVV3dXrSAZYBQVVfeXFMT0tfRGdoRVA4OWVfbm9WdjBmbDhkd0huZlJYa09OS1FlbmhuNWZhcHBKVHFwaFVlSTlQcXVaVmZlQWNUMXdOSDNicmNrSmk1bW5mRnhWZ0dQUXpJc3EzVlBaY1JVWFptaVNZM1NPWDFwQnZVLWhPa2lpREtHX2ZyejJmMTFsQVYxQVIxZWVhV05IanFvYm9n?oc=5) · myMotherLode.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57637 (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/37.json (key "57637", 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