# EH NATIONAL BANK
BEVERLY HILLS, CA · FDIC certificate 57734 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $301.7M | |
| Deposits | $247.8M | |
| Loans and leases | $233.5M | |
| Total equity | $22.2M | |
| Loans / deposits | 92.77% (p80 of band) | 80.20% |
| Liquid assets / assets | 21.52% (p36 of band) | |
| Uninsured deposits / deposits | 60.70% (p98 of band) | 25.15% |
| Brokered deposits | 31.80% | |
| Wholesale funding | 41.58% (p99 of band) | |
| FHLB advances / assets | 9.78% | |
| Tier 1 leverage | 7.71% (p2 of band) | 10.44% |
| Unrealized securities loss / equity | -6.26% (p69 of band) | -13.25% |
| AOCI / equity | 1.58% (p56 of band) | |
| ROA (annualized) | -1.16% (p1 of band) | 1.02% |
| Net interest margin | 1.24% (p1 of band) | 3.54% |
| Efficiency ratio | 248.83% (p100 of band) | |
| Noncurrent loans | 0.28% (p44 of band) | 0.34% |
| Net charge-offs (annualized) | -0.13% (p1 of band) | |
| Reserve coverage of noncurrent | 545.41% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | liquid assets <10%, expense ratio p90 |  |
| 2011-09 | 5 |  | liquid assets <10% |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | capital falling | expense ratio p90 |
| 2012-06 | 5 | deposits shrinking | capital falling |
| 2012-09 | 3 |  | losing money, deposits shrinking |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | losing money, expense ratio p90 |  |
| 2013-06 | 6 | capital falling |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 |  | capital falling |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | charge-offs p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | charge-offs p90 | expense ratio p90 |
| 2015-06 | 6 | capital falling, expense ratio p90 |  |
| 2015-09 | 5 |  | capital falling |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | capital falling | expense ratio p90 |
| 2016-06 | 6 | uninsured deposits leaving |  |
| 2016-09 | 4 |  | capital falling, uninsured deposits leaving |
| 2016-12 | 3 |  | losing money |
| 2017-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | loans exceed deposits |  |
| 2018-03 | 6 | uninsured deposits leaving |  |
| 2018-06 | 7 | charge-offs p90 |  |
| 2018-09 | 7 | expense ratio p90 | uninsured deposits leaving |
| 2018-12 | 6 | wholesale funding >15% | assets shrinking, charge-offs p90 |
| 2019-03 | 7 | capital falling, losing money | deposits shrinking |
| 2019-06 | 5 |  | noncurrent p90, losing money |
| 2019-09 | 6 | losing money |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 4 |  | reserve under noncurrent, wholesale funding >15% |
| 2020-06 | 4 |  |  |
| 2020-09 | 5 | noncurrent p90, reserve under noncurrent | loans exceed deposits |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 4 | uninsured deposits >50% | capital falling |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | expense ratio p90, uninsured deposits >50% |
| 2021-12 | 1 | expense ratio p90 | noncurrent p90, reserve under noncurrent |
| 2022-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2022-06 | 4 | loans exceed deposits, expense ratio p90 | capital falling, uninsured deposits leaving |
| 2022-09 | 2 |  | deposits shrinking, assets shrinking |
| 2022-12 | 4 | capital falling, deposits shrinking |  |
| 2023-03 | 8 | wholesale funding >15%, losing money, NIM <2.5%, uninsured deposits leaving |  |
| 2023-06 | 7 |  | uninsured deposits leaving |
| 2023-09 | 7 |  |  |
| 2023-12 | 8 | assets shrinking |  |
| 2024-03 | 7 |  | deposits shrinking |
| 2024-06 | 7 |  |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 8 | uninsured deposits >50%, brokered >10%, run vulnerability | loans exceed deposits, assets shrinking |
| 2025-03 | 7 |  | run vulnerability |

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

- 2025-06-13 [Genesis Bank Announces Completion of Acquisition of Beverly Hills Headquartered Excel Bank, a Tradename of EH National Bank - Business Wire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOUjQtTTdxbnVPR1JNVzNwbk05ZFFka3hvVEh4MGJvYWZnUTk3OENkYWRZOVo2M05LZVZhQmt0YmFzaHJPZ0tkRkFxakRoZ0U4WUEtcHJKMXJVMURTaDdDZkdLaUVTcnJndkZ3NEhKZEcxVE9yeHpWRENHUlRGVWlkXzZJNFVlV0h2VHlhTmYzTy1DbnBsLUduX1p2NjB1UVpFMFNtdEhTLUhhNS1xRVQzM1VfQW9memxWdTNYTUFBaW5pRWEwQTlNY285VzZuMFJXblhIcmtRRVFuVXBwUDQ3dUstR0dBNFJONUtONGZqMTdDa1FPbEZJaW1pdjlTamE2enhjcGpncnU0N1U?oc=5) · Business Wire
- 2025-02-18 [Genesis Bank, built for acquisitions, strikes first deal in California - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQ1AyNWMzMWdOSWRYWHNab1JBVHhETnp0c0tTOTFXNXNLaE5jb2ItSHZaZGptMWpoLW11bW9GY2RRQ3VzaWxNMU9BT051a2lTekVBelY4WFpfQjBrVHVVR0FJNVFJR19oenI2emtzWEVlcEZaNEJhWVJmVWdJbFdqMmRkeFhFSUViU0Q0MlJELUZKMVNBRUQ5V3VwSXpwejU1eUFBcVg0UQ?oc=5) · American Banker
- 2025-02-13 [Genesis Bank Announces Agreement to Acquire Beverly Hills Headquartered Excel Bank, a Tradename of EH National Bank - Business Wire](https://news.google.com/rss/articles/CBMigAJBVV95cUxPX3pCRi1yTFlrbEdHY2NHbjVKSFpLMmJmMlZ3azN6Yk5OSElQd0RQallBS2MxUGRFcmtIU2o4WnF0UDJCTmRZTzBvODVOTk91VHIzclhuY3VPcEJUUi1MWnhvUUlFNERWdG9zUGdBZ0EtdFUzZ1AwQTJXVzJaOXN2MTVpNDZvYW0yeF9wb2lydTRkanAyLW1pMmtwM0tQMVloS0ZCbmRTV3lseVhVTjdqR3dRR3ZqMTZOaEk0OFhYTjhXYlFxQWJUbzg4bWlvVzBadDZkWTVYZnA1VE9RYUdOc2JvVUl3U05LQU5nbE1HM2xlU3RiWVVmYk9nM1Izb2VJ?oc=5) · Business Wire
- 2025-05-16 [OCC Announces Enforcement Actions Against Banks and Individuals - PYMNTS.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQUk5yNy1qbE9pR1o1WGlyc1U1ZGk0X1FHUmZYcHBYdm54WDI0MjNzMlI0NDhSQl9VOEhxS0UyR2NsQnVCd2tiUXB6QlhPZVJKcXBBLWtWeF9rMHdtM0FUa3lQaDRSSlFUS1JycS0wWVJDNC1HbEJPSkNZZlc5SGFWQ3laRk92eDVoRUpVVXEzRUhYWHlJUzRLSGdLYzNrR3B3enBMYUI3U2xMU3NOMU5hVFEzcGw?oc=5) · PYMNTS.com
- 2019-01-22 [Top Women in Banking: Shauna Shalom - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZzh2Yl9aMFFzRVNZaDQzaU1fUEw5WC1MSktUZXZIMXJURkVCUXlLTjVNWTIzTWFHUVBVWTJ4Y3JoTEd5eW9DeHJBdUUwc0hVR2pydE50b1poeTZCVHhkSnpQbGRIa0lzSVdkb0JBWjVfREg1cElYR0NqcmZwRi1OUg?oc=5) · Los Angeles Business Journal
- 2014-01-27 [Sinan Sinanian joins EH National Bank’s Board of Directors - MassisPost](https://news.google.com/rss/articles/CBMikwFBVV95cUxQVlVKRnhTVEhrM1VXaUxfd195UVVOSXFKcUNWYXdNXzRKTjRpcElGTWdjdGZhajZycEtwT2pFbTRXUnlibnIxYVN0ZHRnci1hSTJydU1sNDYwUzhzY0Q4dFNyMDFUNmNLQTJaaHVaTVF2dW5ZbFZPTU1FNXlkVDNPYkRtZTJnT2lWWU95QkpKYWVnSVXSAZgBQVVfeXFMTlB3SGNlSjlIWTBVeVkzRndaSXNvekIyZ29idU1kOGFKTThZSzduVlhsNHpBM2s0VHFnWWF2T0kzZUxfZVVOZmRSYW14c255UHRtcUppal9oQWFPQlhyLTljUzdpenZkUmtWdEJ1bDdMd0d2QnRnUFBMU2lzT2FQcXNwWFhSUG5lak1rZ1RjYjNjVHNZZ3dDS28?oc=5) · MassisPost
- 2026-03-30 [Genesis Bank Announces Naming of Chief Banking Officer - Business Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT3BKdDFYcUlQMThwNDZRbXkzcWFtTjhpc0tEN3c0cWhCYzBHSVltZXh4YnloOWxRZVhaQXdhUWpwd3cxaWhWTE56eV90ell0OHp6UVRFY3Brd0owcnBfdnB0aDZkQjhOSTNVVlV5ekVNclE5UjZBZGQwSGJlaUJCSzBFeHBTbFBTZkdOeEl1Zmt5UW1rOWhfQThqT2I3TUphc1JUenFWNUNlamV1cWN5bw?oc=5) · Business Wire
- 2012-01-02 [Monroe County property transfers - The Herald-Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUDNvQnNDMjdvOFhTUi16eGVEaC1LSUJ3dm5weEhYbjNnUndQbFBqRzJEYk9EazBxQVhJRHlsTG11ZnZOVjYzN0xZMVFkTWtSYnQ4Q0VaRGhmNkJzTk1hQklxUWxHN2lmMHpmUGVqOGotQndBNjhlcHdWU1dMVnpzUDl5VGt2M29xTnN4aXMtbnRSTWd6bU12UEN4Nmh5RzFnbnVPZw?oc=5) · The Herald-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57734 (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/6.json (key "57734", 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