# OPEN BANK
LOS ANGELES, CA · FDIC certificate 57944 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $2.75B | |
| Deposits | $2.37B | |
| Loans and leases | $2.28B | |
| Total equity | $264.1M | |
| Loans / deposits | 95.06% (p74 of band) | 87.10% |
| Liquid assets / assets | 13.89% (p18 of band) | |
| Uninsured deposits / deposits | 49.75% (p90 of band) | 30.76% |
| Brokered deposits | 12.53% | |
| Wholesale funding | 15.27% (p80 of band) | |
| FHLB advances / assets | 2.73% | |
| Tier 1 leverage | 10.15% (p41 of band) | 10.50% |
| Unrealized securities loss / equity | -7.28% (p52 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.26% |
| Net interest margin | 3.23% (p23 of band) | 3.70% |
| Efficiency ratio | 55.81% (p40 of band) | |
| Noncurrent loans | 2.09% (p92 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | 58.84% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $101.5M (38% of equity) (p96 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 256 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | charge-offs p90 |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | liquid assets <10% |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 3 | loans exceed deposits |  |
| 2017-03 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 | capital falling | loans exceed deposits |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | brokered >10% |  |
| 2022-12 | 2 | wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 4 | reserve under noncurrent |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | uninsured deposits >50%, run vulnerability | wholesale funding >15%, reserve under noncurrent |
| 2025-09 | 3 | wholesale funding >15%, reserve under noncurrent | capital falling, uninsured deposits >50%, run vulnerability |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | noncurrent p90 | wholesale funding >15% |
| 2026-06 | 4 | wholesale funding >15% |  |

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

- 2026-09-01 [15 best new bank account promotions and bonuses for September 2026: Earn up to $3,000 - Yahoo Finance](https://news.google.com/rss/articles/CBMinwFBVV95cUxNR3BMd09Ja29oeEJSWk9tc3piYjZ4QmtNWnplRlZma1VIMG1FdmVyZjB2ZVFhdS1IeldwckdzUUVoT1B3MGYyUFZnUlI2WklXY3BBZkpacVdOU3FqREdQSmNxVElaS2RncWFNVmZiWlFzeG90RmM3UC1nbXdpajQwUmN3Nl95Sjloa1lwcmtNU3MzNTJUdlI5Y2pNM243UGM?oc=5) · Yahoo Finance
- 2026-08-25 [Mission RCMP seek public help to identify man accused of using forged ID to open bank accounts - RED FM Canada](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQS2tOdGg3eW9qWkZHYWlGODJwMnlJUWRHX243dEJHR3ctTlo4dzVKdnRJNE1qeGY3MWd4QkhOQVRyVUF4TDZrVmJKMTNzdDdsbHRHWV9HbUUyTTQyeXloekZRVHJzcTV3N0FuSEN2ekJDYXVPRzcyNVY1eVRINlNRcnZfLVhkMURLQ09lYXlpM1FCMXR2ZS1FNF92cXhjVU04ZHh6THlsNFlQZU5maDRla0FKS1ltNmpBR1NzUVdHSHRoZGtuckxGNG1IQzV4Q0tDR0J1TzNlcTQ?oc=5) · RED FM Canada
- 2026-06-09 [Toronto man arrested for allegedly trying to open bank account with fake ID in Whitby - CityNews Toronto](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPQTBZYTJOb0JYdFMxLW4tMlZKRXJYSUhnejBiQ3dJcEpSSzFRcmZlME45bElJTnRPVW5XUEZQd3dtcV82bzgwZFdvLU1JWmVYYjMza29OT2JDT3NhSWhJNEtZbkppZVZVU3ZZYWpxUDFiRE5wbjhudDNzd3V3cTNlWGg3X1JXdy1ndi1SQlBESWZ4ZnJpZVJOeUJydzVHeUVzZ3lxMmZtOW9xNGtYQnB1Nk1tVHc3WFJPaHFrUTZPc055bXc?oc=5) · CityNews Toronto
- 2026-06-24 [Man tried to open multiple bank accounts with fake ID - Durham Post](https://news.google.com/rss/articles/CBMigAFBVV95cUxOQ3FzWXJONWk2VkJSUlFTamtOVFQ0TzVtZFRCUWJVbUFYWmNBdGxGZ1RxR2U2c3AxX1VNNzc3S3ZsMy0zOFhnZllMSnJoZXB4NE1kb2dDYTFURThDemIyRjdKdGxmUGljZzdWbmRhcFhQVzg1M1dqNWdhX3NrMFhldw?oc=5) · Durham Post
- 2026-06-26 [Police investigating attempted bank fraud in Guelph - CTV News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUm05Tm1RU2JzRG95N2JHY3FQWVlQSzhWeThPdUxiMDdhNF90NzJrOHBmT1poaEdYMWlXajFkR1U5c3pZUjZNdmZpUkdZeXdxQUtsUU04Q1duaFFoSDFxYnFaOUd1SGRoY19TcTNYc3B2SEtDT3RscDAyX0IyMk85WGVDZnJUZTFGODVJdC1adl95UXZRdU1lVEpzdkdFNDJMVnc?oc=5) · CTV News
- 2026-03-04 [How Non-US Citizens Can Open A Bank Account - Bankrate](https://news.google.com/rss/articles/CBMicEFVX3lxTE41UmFQQk1heFkyWVdhMWllaXRxaDBwajBTSWFzUHlyeUcxYzRIOGhybGdmY3BkbHM1U0huRHliaXNuTEt4WkxRYkU5U0FwR2pwZXZGVWo4MVhDSmtkckZjTHlKcEJKTDRnemU5MGNHN2g?oc=5) · Bankrate
- 2021-04-29 [Californians need state public banking options; here’s why - CalMatters](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSEx3VDZyb1JMZnBBdWdlV2ZkTG05QTJrTkVYYlFYLU9QQjB4Y2R6Wl9aQVNDaldka2gxSlFBTDRHRWs2cFgya3FxUk9qQlByTVdPeEVYeU5hQ282ZWJhek9rdHdNemJyWWZpdktScTdmbEJUMFh1TFgtaFlZVmpCb0VWU0VzcUhZMzRqRE5PalFSVlg1dVY0Ti0yRkRYak1X?oc=5) · CalMatters
- 2026-05-11 [Brampton Bank Fraud: Legal Implications for Ontario Residents - UL Lawyers](https://news.google.com/rss/articles/CBMia0FVX3lxTE5RdW9DMHRnTGJRY1lTMEw4QzRZcTJGTWZoYTQxbzFZX294aUZ4YVNuQjNDa1JJSHN2Ty1waXZVSWRvXzBNdGd1NE9hV2pITV90Y3l4YkRGWl9ZaGp5WWpCOFVlNWtPQXJwc0o4?oc=5) · UL Lawyers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57944 (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 "57944", 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