# SECURITY BANK OF CALIFORNIA
RIVERSIDE, CA · FDIC certificate 57964 · asset band $300M-1B · latest filing 2015-12 · 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 | $706.1M | |
| Deposits | $629.8M | |
| Loans and leases | $463.1M | |
| Total equity | $63.5M | |
| Loans / deposits | 72.36% (p30 of band) | 82.78% |
| Liquid assets / assets | 33.08% (p69 of band) | |
| Uninsured deposits / deposits | 45.61% (p96 of band) | 20.30% |
| Brokered deposits | 2.12% | |
| Wholesale funding | 3.53% (p36 of band) | |
| FHLB advances / assets | 1.42% | |
| Tier 1 leverage | 8.66% (p14 of band) | 10.05% |
| Unrealized securities loss / equity | -5.00% (p1 of band) | 0.46% |
| AOCI / equity | -1.22% (p14 of band) | |
| ROA (annualized) | 0.79% (p40 of band) | 0.91% |
| Net interest margin | 3.68% (p57 of band) | 3.59% |
| Efficiency ratio | 63.82% (p33 of band) | |
| Noncurrent loans | 0.43% (p33 of band) | 0.71% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 370.04% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 26.40% (p39 of band) | |
| Auto loans | $11,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 18.6% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | losing money, charge-offs p90 |  |
| 2012-06 | 2 |  | reserve under noncurrent, losing money |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |

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

- 2018-12-11 [Jim Robinson Obituary (1934 - 2018) - Los Angeles, CA - Los Angeles Times - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZTUzZl9WRmZEYy1zcDc1MHZ5UDEzeU1IeHQ3MHlZbExNYXFWNkpWZHZseFpnY09LNzRXWkRjeXdyZlIyQzNrbDdmaGZhQ3B0Z3dRWWtCb3kySG1BNGc3RUJpV3FNVHFyTGdhM21JdTdqRVZrazFfS0lZU1F2ZnFNdDEwa3dPeG81LUE?oc=5) · Legacy obituary
- 2013-01-13 [Chinatrust Moves On Under Eye of Regulators - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQktQMGhhNU1Dcmc2VE1hYmw3Rk8xUzJRNVJpUVJ3bXpjdENNc1M4NVNQV0cxQzNHTklFVlA0d3duWUFJNGM3QUdHZnJHS0VkQmRJZnFxZVVNcmNCTURCY1BQUjdsc01ROWgtT2NPMVRDdGxCcFBTOUhxZWtWaWhzUXN3?oc=5) · Los Angeles Business Journal
- 2026-06-20 [John McMurray Obituary (1948 - 2026) - Boise, ID - Idaho Press Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOV1JKT1g2ZUgzdTY0VFRzbzdBNlRISTRQT2NFZkI1b0l4QzNYWTZ4VnVFTW1VU2ZKSDMwd3pmZXdZek1maThFVXVKWDVta1FNV2F0Y083TUlQT3NjRlNHYm5XWHJsazdBcXBFb2toYmdKWTVrQnBYNnQwUFBFdjdSTUtueFo5MjRZVlk4R0JxVnI?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57964 (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/44.json (key "57964", 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