# CALIFORNIA UNITED BANK
LOS ANGELES, CA · FDIC certificate 57904 · asset band $1-10B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $3.10B | |
| Deposits | $2.69B | |
| Loans and leases | $2.09B | |
| Total equity | $368.7M | |
| Loans / deposits | 77.00% (p24 of band) | 89.41% |
| Liquid assets / assets | 27.02% (p69 of band) | |
| Uninsured deposits / deposits | 69.59% (p99 of band) | 25.99% |
| Brokered deposits | 0.28% | |
| Wholesale funding | 1.06% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.99% (p49 of band) | 10.05% |
| Unrealized securities loss / equity | -0.61% (p23 of band) | -0.01% |
| AOCI / equity | 0.38% (p39 of band) | |
| ROA (annualized) | 1.11% (p60 of band) | 1.02% |
| Net interest margin | 3.87% (p74 of band) | 3.52% |
| Efficiency ratio | 51.83% (p18 of band) | |
| Noncurrent loans | 0.20% (p17 of band) | 0.54% |
| Net charge-offs (annualized) | 0.16% (p85 of band) | |
| Reserve coverage of noncurrent | 460.41% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 59.09% (p69 of band) | |
| Auto loans | $55,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $17.4M (5% of equity) (p88 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 259 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## 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 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | expense ratio p90, reserve under noncurrent | capital falling |
| 2012-12 | 1 |  | expense ratio p90 |
| 2013-03 | 2 | uninsured deposits >50% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |

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

- 2017-01-05 [Steven W. Streit Appointed to the Los Angeles Branch Board of the Federal Reserve Bank of San Francisco - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNcnNyU0J2akZJbzM3YmlZSXFqZy1LQzlGVF9GR2tEek5rQ3lmdmFnZFN2MnBidjZmSFVNLWk4UXY4RTk2Wk43akpEbnEzOUZvOUFJei1FSGtXc2Y2aHVsUnV0RFkwRDhCSGxUWWJWU0RWVGtSdks5X3JuUldhenQ4ZTdPMHNDZDhPNVVGNGdtck00am5qQ0xRc1JKTWJZdkJKczgydHhmLVJQRW1wWWVyN3lOb0RyeXl5Um1pcmxhN1ZCVzA?oc=5) · Federal Reserve Bank of San Francisco
- 2017-04-06 [PacWest to buy CU Bancorp in Los Angeles for $705 million - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVm14eDhBQ25PVFhKYXJhc3lCRG5HMjJYTG8yS1U0YmFmNnF0MDhMc0ZfVHR3eG5BSGktU2tMVmNwYnBFcm1ieUhCSGxoRVhmNUZwWUlpNmdDOUlmSVJ0T1NqZnhDcVhQcjFpVzhaVXVYdWZyVGlmd0NDeHUtUXFKY3Jxdm5PZkoyZ2Z3MXViZ1F4emNNVVdz?oc=5) · American Banker
- 2017-06-02 [Community groups oppose L.A. bank merger over low-income lending concerns - Los Angeles Times](https://news.google.com/rss/articles/CBMifkFVX3lxTE5WUkFjRHQ0MThOZWFXTmZidVpTcDhyeTBhbXFLSWNORTh1NUFlVXZac2NhbGxWYWF4UFRIMW5RcERNWUNIelV1LTNoZzYySVNXTEROakNHY0MxS0xMQ0N2RFFxRVc0cnZ0TUk3TnhFV1ZUQWdzaWVSS2oxeXdVUQ?oc=5) · Los Angeles Times
- 2013-11-01 [James A. Hughes Appointed to the Los Angeles Branch Board of the Federal Reserve Bank of San Francisco - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMixwFBVV95cUxPUFdCSlZ0ZG9QV1hxSEF3ZktCakYtTWIzcmpSbUlyRkRSQi1LU1ZfTWFnMTZPV3VTMG0tSC1pWDBqVGN1eDBCNklFWTJlUFYtMjgzRXA2bkZmcGxlNHdna3psMEI2T2Y1LS1mMXQ3S2YzYlVxdlZleW1HQURldlo0RTBRMTd6NEF0RDBmRk5jSUtFSjl5azRvc3hPRGtnN2lramJEeWVfajMxc3NEYUxpMmQ5WF9MMTJ2NmJXSUQyZm9ISnRZUTRn?oc=5) · Federal Reserve Bank of San Francisco
- 2025-07-15 [Valley 200 2025: Victor Berrellez - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxONTNRcXFodW4weTQ0eTI2a2hkbmZSb29VajhMVGVTa2V5Sl9YRjZDaHcxMjREbFpCUUpZZ2VZQTFWT0tZc3JKMzk4X1V0VGZYZm5PTER6YXhvUU93SS1TMmhyWGNDMFY4N1QzSTZ0STZtWG44aEFHdmZOcnlFcEN1OE9ORV9zY0YzdHlSNHQwbUpUTGlpWW51TUl0ZUhxdUR0V2wtQ0EtQW1nZnhQOVlEcnppSHVDZzRjUFFHOWFia21uZzA?oc=5) · Los Angeles Business Journal
- 2016-07-31 [Thomas Savage Obituary (1934 - 2016) - Pasadena, CA - Los Angeles Times - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPM3VDQl9VaDBLOHdZSnZyMVZ5Um9hOUtPS3JOdFhFd0pHVldkcjlrM1FBYV9HYVoyXzc5U2ZQYl8zR1NoYS1ha1FyaXMybklkaHladHRIS2tycWwyNGRDb2VwTUpoaHZBOVZITFpzcE00bnFUZGJHU0xaWWNjTl9TTjJOeUowMGlvWUN3?oc=5) · legacy.com
- 2012-01-23 [Keith Smith Appointed Chairman of Los Angeles Branch Federal Reserve Board - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNMk5QSEN2cl9hRHpPTEtXZ2hsTDZPVnNRb0hpelZqbnktNFZVRVBMbHFhRk1lbk9sdFcyWFdMcGwzWmF1eDBCMGxFa0ctTE1JM1Z6UHlkbU5qV0RNR00xa3ZwaG85RmhQQTJSU002YmV4MG5rRUxxdWk5dFNGczU3dldQVGlTbVBSNHJIUzM2d3p0U0VheFN3aGxScENMc255TEVzQkhBTDlTY0JjeF96QjZhT3EyQzd4MGtsZ0xIWTd2MjU4XzdNM3cwOW90NWtN?oc=5) · Federal Reserve Bank of San Francisco
- 2021-10-15 [Bruce English Obituary (2011) - Westlake Village, CA - Los Angeles Times - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTXByZF9aNUtIOThKQXF1eXFCd3NZWEMxOWJOT2dpVnV4MjkxVWRFVkRVVnoxYTlSOVVTaE1yWlctSWxEdlFlRlBRX01hVTdJZG0zZHR3WUxHd2FKSUdUTEh3WDVnQTQ3WHQwMVVkSDNzMXp6VFhCY2V5R09mTGZCU1A5QlZfQklTbVY0Rg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57904 (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/48.json (key "57904", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide