# BANK OF SANTA CLARITA
SANTA CLARITA, CA · FDIC certificate 57816 · asset band $300M-1B · latest filing 2021-09 · 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 | $423.9M | |
| Deposits | $340.1M | |
| Loans and leases | $270.5M | |
| Total equity | $44.2M | |
| Loans / deposits | 78.76% (p67 of band) | 70.11% |
| Liquid assets / assets | 30.11% (p37 of band) | |
| Uninsured deposits / deposits | 50.24% (p94 of band) | 26.09% |
| Brokered deposits | 5.20% | |
| Wholesale funding | 13.22% (p92 of band) | |
| FHLB advances / assets | 8.02% | |
| Tier 1 leverage | 11.18% (p74 of band) | 9.79% |
| Unrealized securities loss / equity | -0.88% (p12 of band) | 0.82% |
| AOCI / equity | -0.58% (p66 of band) | |
| ROA (annualized) | 0.24% (p2 of band) | 1.18% |
| Net interest margin | 2.93% (p24 of band) | 3.35% |
| Efficiency ratio | 88.76% (p98 of band) | |
| Noncurrent loans | 0.26% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 372.12% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 5.35% (p11 of band) | |
| Auto loans | $407,000 (0.15% of loans; DQ 2.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.9% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | deposits shrinking |  |
| 2018-03 | 2 |  | deposits shrinking |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | loans exceed deposits, deposits shrinking | brokered >10% |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | capital falling | loans exceed deposits |
| 2020-12 | 2 | loans exceed deposits | capital falling |
| 2021-03 | 1 |  | loans exceed deposits |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 | uninsured deposits >50%, expense ratio p90 | wholesale funding >15%, capital falling |

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

- 2021-04-28 [Southern California Bancorp To Acquire Bank Of Santa Clarita In Merger Agreement - KHTS Radio](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQeWVkZTQ3VUtaci1xbW1raVNmUndoRk9kVUg5cXJTV1ZUSGxvcDIyUVhMNzlWSlMyT1NUS0I2dVRBamU3Q2lKQ2JUODFad2JzczhvWTljTzdYb2JBWUMtWWRZSDVlNVBSZnVUVW1rNDBrQlVQM19KZll2ZXA1MS1DRVhKdjh4Z0RnQjRZM3oxcl9qUHNub2RabklaVElvWFVkUnRHckJQV3c1eFE5T1U1eXBoVEcteF9LZS0wdmNkSjhpWXRReHE0M0s3RkM4ajJpOHMwRUh5M1RvaC11U0NzcnhzUHNHbDd6?oc=5) · KHTS Radio
- 2013-05-04 [SCV News | Banker Hopp Named SCV Woman of the Year (Video) - SCVNews.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE8tQklhaXZxWEVrSkgxRDQ2REl4LVFQcjlidGs1ZWF1YUs2cTBrOHVQQUFZUmU4WndPQ0ZTSjIxckViY3VuRWxieC1tVHhPRFktUzJ5SEo4d3lCZzNKdUR6OFBVdFNjYXA1WWg4eA?oc=5) · SCVNews.com
- 2021-01-27 [Invesco Bulletshares 2034 High Yield Corporate Bond ETF (BSCA) Stock News - Stock Titan](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5Jc2E0dlZyUG1ENDJGQVJXT2I2WEZhYTNDMUQ0ajFKdFRGZUJwWmdIVXZBTExEdXlLRGFTNnBWZ2UtNlVyTXdLS3liUENVQQ?oc=5) · Stock Titan
- 2018-03-29 [Senator Scott Wilk Honors SCV’s Marlee Means Lauffer as Woman of the Year - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxOREpQWGxyZ0hfYXhkeHRmdDdkRGpWVTlkOWVnbHFjOU9VdDVzU005SDhRTWpTLVpvRkYyb2tYQVB5VmVvTEJwQk42Q0VNQ0V3Vzk5SnFXXzZmQXZxYTl5Rlh6V3pVdDlpOEZ0Q21CT0szS2Zfb253d0E2QU5aRmlUVlRtYm52ZkFEYXQ1VWpoY3dKcTlSN2ZVM2tyUXZZSDRwVzNFU3prdEZHMnNtVF80X09tTzY?oc=5) · Santa Clarita Magazine
- 2022-08-01 [Public Company Wipeout: L.A.’s Public Companies Shed $351 Billion in Market Cap in Last 12 Months - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOdzhsM1pfcnZ4MGlVejl6RGFOSlAzbE1QU2M4d3dxTW1GOTNiN2I5WDNrWVRTQm9LYmJoUFZhN2hsbURYclB2eDRJWHRFSUkzUHdWLUVWcWFSaWJWU213VkxueFVNOFA5V0gtX09DSklIaVdqS3VyNFNWSFo3eVFMdmduZjJOZ1JqN2lmVC1QZ29RUzlmTnZkaXd5ZWNCX21MWmpTNm0xYU0tU2tmVFotcFJGcjdjR0VBbDVMY0gxQzZWMzROWWFtajhrOVBTOGxSQ3lkdHJqbnA?oc=5) · Los Angeles Business Journal
- 2021-10-17 [Matthew Gastaldo Obituary (2008) - Santa Clarita, CA - The Santa Clarita Valley Signal - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPbmZNblZWMjVOVTg2ZnRuWVg2QWRaV3YxSEFrYnJ0RWt4QWFLT0YzTDM4LTJ1ak9wOTZMNkstSUF0T1hJaDIzYU1IcUpEb1RsVmVVemhIVlhOMmx1NGUyQ1RRM3M0T2FDanJ5WDVDTDZuWUVfX0hyTjlydlZ4WjVtNlpmbzlvSmZIdTRHbDZHdnd5dTA?oc=5) · legacy.com
- 2021-04-28 [Santa Clarita Brush Fire Breaks Out Near Pitchess Detention Center - KHTS Radio](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNeFRiQmtDN2FJWUJDdkh0ZEwtenhQWVhnRS1XSUpKVVc4VVJsTW12b2RBbjN0YXlwUE5vTjlMRS16Qk5qRkxJdlhtLUEzM2pKem9vcEc5U2ZUSEl6OC1ya2hJMG41OFI3TFViUFIxa1JTYlpSQzRYWUJOUlktclJVVHczeEF5UldyUGFKQmw2ZjFGSnZCYmpqakY5eFVjdzBPZWdXdlJDb0tTUEdrM2ZWNzdJdVNfQ181dVkyLXRhaWhnQ0JaOGtTQjhDTlVURnBPeHphYTZxSTdTcXR2U21wcHkxZ2hzZFRpTERKUndn?oc=5) · KHTS Radio
- 2012-01-30 [Richard and Marian Sandnes to be Honored at COC Silver Spur Celebration - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTGd5akFXVjJSdTdhSDQza25ORXVtcUZ3VE5mR01JSXlnVFkwYWs2MjZleVhtc0pGTkNKbHNYN05GRWJYZlRqdUc3eER2SmM1QjNuV0N1LTlfMXM5YjFyMEJiemdzVVM1aURTcmVUWjRqUkExTEQ0RE1ZNnFxRGNtSWstbHpFdElFdV9GM0RFR0lQTVd6cERjT05DTTRoZlR2MEdSbmpmdjg5a2tUVHhxSDdEYw?oc=5) · Santa Clarita Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57816 (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/24.json (key "57816", 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