# PAN PACIFIC BANK
FREMONT, CA · FDIC certificate 57989 · asset band <$300M · latest filing 2015-09 · 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 | $141.5M | |
| Deposits | $120.2M | |
| Loans and leases | $113.4M | |
| Total equity | $18.3M | |
| Loans / deposits | 92.94% (p84 of band) | 73.61% |
| Liquid assets / assets | 16.13% (p15 of band) | |
| Uninsured deposits / deposits | 43.64% (p98 of band) | 13.65% |
| Brokered deposits | 4.25% | |
| Wholesale funding | 5.66% (p68 of band) | |
| FHLB advances / assets | 1.41% | |
| Tier 1 leverage | 11.22% (p58 of band) | 10.70% |
| Unrealized securities loss / equity | 0.70% (p47 of band) | 0.86% |
| AOCI / equity | -0.10% (p26 of band) | |
| ROA (annualized) | 0.42% (p21 of band) | 0.84% |
| Net interest margin | 4.43% (p87 of band) | 3.64% |
| Efficiency ratio | 83.41% (p76 of band) | |
| Noncurrent loans | 0.31% (p33 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 470.99% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 143.70% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.4% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | capital falling | assets shrinking |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | construction >100% equity |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |

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

- 2024-01-30 [California banks merge in $233.6M deal - Yahoo Finance](https://news.google.com/rss/articles/CBMigAFBVV95cUxOaGgwR0o1b1Z2WW5wY0RQQXVFT0kwX19nRUF4VmMxWGZxekVpbmFlZnlVZnRvTWFLQXB5Y3BicS1YM0hELVVrU3JVc2FORGZ3dkF1aU9hMWJDT1pPOGlHRnptNzZjcDBfT1NhU0x1d1pnZDZpSzRTckZkM2Q4UEQyVQ?oc=5) · Yahoo Finance
- 2016-08-17 [Pan Pacific bets on Asian community - eastbaytimes.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOLWFnQWxXdTRaZm15SkVFSW9jUDUwamZ6NFFtdEhaN1hIdFo0RlhQVERCZFNuLTNlRlI5VmhlbWZqd1JIejllXzMxTUZ3U2pieFROU1NDam9WYjR3UHZCVG1KV203TlZmT2ZkT2JxMXczLXBNZ0NyRW9GYXFaLUpueDF30gGHAUFVX3lxTE9heFZGaDJwVzZRekdhR0FYVEl2OVJSb3QzYUFKbldNUTZacmZrbzRwWUNHQUhHbzdkeWQzWUlNa2JVTWdwUWdKUlJzanhkQ3FmUGZTdWFMbnV3LTk5RmdiT1VsMUhONzZpLTdXMjBaRkxDWjk4OHRfRUJqNTlTMWpYVm9heE1YNA?oc=5) · eastbaytimes.com
- 2019-01-04 [My Take on the Meng Wanzhou Case - China-US Focus](https://news.google.com/rss/articles/CBMigwFBVV95cUxQNW5HQkRGbl92NEcxeFpkeUtOUDhQdXBxbW1mRzR2S1lCaHVneEMtMTduNGZuc21mYXVjWEd4djRMR1RtcmZUcHE1cmpDRGppVlhETDZRTjlQSlFxTGRWbXN0ejBvU0hkUHNBY1N1bkRMSjh1QXlnTlNhNjlKai1Yc2ZlZw?oc=5) · China-US Focus
- 2017-09-21 [Remembering Joan Fong - pcusa.org](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUnpkUnBpMGladDZkTy1ZcTNQNXdPVXFCOEo3WlFaRlNSNXg5Q2VSX3hhb1ltbjVTQ2JwbkNjczdQQnFTWlBZM2pScWxpdGx0VlZIb1B4MEN3WDJHaWFjUTBuNVh5S0g0QWpaWDlPS0hwOWF4OVgzMUlVLVdpYlJBWXpObWJkNmVGRlBmejJLWXQ?oc=5) · pcusa.org
- 2012-09-24 [JOSEPH CHING Obituary (2012) - San Mateo, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNczRQVzZIc2tPM3l6OU1weEV5cFJZTVI5ek5tUW9zZUtqVjNhZC1nN0pYYU0weURiOHo3U1ZlTUxKNFoybUVrRVBxWE5CZ0w0d3JxQ0tRLWZOVmtkaHFjSENnckFnOEFyMzJNN3ZCX016TFkyZ3FpbFRNRkZEMFo5SmI0QklSd0NaakE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57989 (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/5.json (key "57989", 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