# PRIVATE BANK OF CALIFORNIA
CENTURY CITY, CA · FDIC certificate 57678 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.07B | |
| Deposits | $935.3M | |
| Loans and leases | $717.9M | |
| Total equity | $120.4M | |
| Loans / deposits | 76.37% (p41 of band) | 80.17% |
| Liquid assets / assets | 24.10% (p41 of band) | |
| Uninsured deposits / deposits | 27.86% (p67 of band) | 22.18% |
| Brokered deposits | 4.13% | |
| Wholesale funding | 4.20% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.34% (p18 of band) | 9.79% |
| Unrealized securities loss / equity | -0.61% (p48 of band) | -0.48% |
| AOCI / equity | -0.63% (p78 of band) | |
| ROA (annualized) | 0.67% (p26 of band) | 0.93% |
| Net interest margin | 4.77% (p93 of band) | 3.53% |
| Efficiency ratio | 61.24% (p34 of band) | |
| Noncurrent loans | 0.96% (p36 of band) | 1.32% |
| Net charge-offs (annualized) | 0.13% (p54 of band) | |
| Reserve coverage of noncurrent | 51.36% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 19.30% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $10.1M (8% of equity) (p93 of band) | |
| Deposits YoY | 259.9% | |
| Employees | 121 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 3 | loans exceed deposits |  |
| 2012-03 | 1 |  | reserve under noncurrent, loans exceed deposits |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2012-12 | 3 | loans exceed deposits | capital falling |
| 2013-03 | 1 |  | NIM <2.5%, loans exceed deposits |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |

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

- 2026-07-06 [Patriot Bank Opens Flagship California Location in Beverly Hills with $100MM+ in Deposits - ABF Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxOS2U1dnhnZFhFWHF5aS1zbXRQQ1VuVk9kb1IwWkxBMGkyUWxub0dZdVk5TEozZ09RZjVKTVd0VFVvVjJORFJOajJxaVczMnZWSEgyQ2JIeTdCenhWSTNNZ3lTR0tuWUpjb1lOS2FJMjRVVm9fODl3dGFZTExsSUo3OEF2VkxqaXc5Z19XQVUwSTVCSFhqZ25zbUd2MFd4aUZONE9meF95WU1GdnN3YWp1emJWNkwzQQ?oc=5) · ABF Journal
- 2025-10-27 [Banc of California Nabs 11-Year Downtown Lease - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRFc5TjlFZXh4ZmtkLWtadFNsYTBNdjBtTVpqMmlkakVzXzdSQ1F6bUVjSEVpV2c1WXllR1ZhaFYxZnA0SFJVNUdpZVZhTWdZckdKakJRZV9WVHFSaXpkYlpHTzZZcjJCVnpUVEZuY09Hc3dMM3RkQTNfZGJEWkZ3NExNUm9RZUJGd0trMkNB?oc=5) · Los Angeles Business Journal
- 2013-08-13 [North America Executive Moves: July 2013 - Family Wealth Report](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMnRXeXFBQTVWNkthWmZxOUJKTVhnTVZKcWJsVWdiRzk1ZnlsYVJ2cDFhYjd5M3lkOHV5S0F2Y2gza2pTRTZKWkZaX0pheGx4Z25Ob01JandzdkFLbWZkamNiTHBBSzBveDRYVnRGa3RCRGFJVGZpTFVjMlJaNE9URUwyMW1KMHEtNW8yNGlqMy1kUQ?oc=5) · Family Wealth Report
- 2013-07-16 [Former L.A. Mayor Villaraigosa becomes advisor to community bank - Los Angeles Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxORTJIdzZBNXh2czVGakNTQnVyUGxiWDZkRDVKS2Q3UW1jUTlLUDZZRzVTdUkxYTdsZXNfWXZiQi0tMTRmdGtXenQwSTVENVc4N0lIc3FObzJDQjNyWW1vWWtoMGRQUFl5ZjIyUkk3MFJ1bVZWSDNMVV96bGVhRHR3YlVpWk9HTy1WV3dCVlU1SkluLTVCTnhJQUN3RQ?oc=5) · Los Angeles Times
- 2013-11-11 [Summary Of Executive Moves In Global Wealth Management - October 2013 - Wealth Briefing Asia](https://news.google.com/rss/articles/CBMivgFBVV95cUxPR29pQ2FqUkRXd1lnQlFXRkhYQ0FKZXpjZ2ROYzBTVnNxVTJlb3VFRU5HRFowMWpSRGIxWDhYRmtFMmtoR1RpcndkOUkwYlRUNzBvQk92NEZiY1U3Sl9xWU1pVHItdjRjSW5hcG9MVFJDbWVHZkR2LXgwcDd5VkJCM1FIeS1ZaWltSjdQQXZ3WnVpd0dmSHFoTXBrR3RmWEczS0lrNm1DejJFRU9kdnFLbmNpMUV6Vk1LOFRtWW5n?oc=5) · Wealth Briefing Asia
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2010-01-19 [Executive Moves - January 2010 - Wealth Briefing](https://news.google.com/rss/articles/CBMijAFBVV95cUxOMi1uNEFyVVVYTlVKZWZHWVBfQ2lJd3lCWHdxVVl1TDJPdW9ReWplZ3NFU1Y5U013MzhneXRVVFgxbGl5QmhJSXVtRGJxR1dNSjA4Rm9zb3BhYldWbTg0UDFsZ0FYOW5URnA4aFI4VGsyeVlUM0xlZHBrdFdvemF3ODNXTERFU1RmYnZONA?oc=5) · Wealth Briefing
- 2017-09-26 [The Money Book: David Misch - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTE5abFJtSU9XQ09hVWpncWpTdi04QmlMUTJ3cjlIRXBkdDlnSXExVkNuWXRjMU05amNJb0dIRk1Oa29CbmtzWThIZy0wUXlSSWhlMzBfVW1OSFVJTGxlY0ZaWDBJWFNYZDhZMlNocTh4MFpMXzdFcGhiZEh3?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57678 (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/14.json (key "57678", 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