# TRI-VALLEY BANK
SAN RAMON, CA · FDIC certificate 58004 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $150.3M | |
| Deposits | $131.4M | |
| Loans and leases | $127.2M | |
| Total equity | $18.7M | |
| Loans / deposits | 95.26% (p86 of band) | 75.02% |
| Liquid assets / assets | 11.26% (p7 of band) | |
| Uninsured deposits / deposits | 55.73% (p99 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p29 of band) | 11.04% |
| Unrealized securities loss / equity | -0.89% (p68 of band) | -2.21% |
| AOCI / equity | -0.35% (p71 of band) | |
| ROA (annualized) | 0.27% (p12 of band) | 0.95% |
| Net interest margin | 3.88% (p60 of band) | 3.73% |
| Efficiency ratio | 87.05% (p86 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | -0.03% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 95% | |
| Construction % of loans | 17.25% (p50 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 | 8.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 5 |  | leverage <7%, construction >100% equity |
| 2011-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2012-03 | 4 | reserve under noncurrent |  |
| 2012-06 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 7 | capital falling, charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 5 |  | deposits shrinking, assets shrinking |
| 2013-12 | 4 |  | reserve under noncurrent |
| 2014-03 | 3 |  | charge-offs p90 |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 3 | deposits shrinking |  |
| 2015-03 | 2 |  | deposits shrinking |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | losing money |
| 2016-03 | 0 |  | expense ratio p90 |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 4 | uninsured deposits >50%, run vulnerability, expense ratio p90 |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |

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

- 2016-08-15 [Tri-Valley Bank CEO announces resignation - East Bay Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPS2hlbEZSeVNnWlpCb2xPdkY0ZjZrRm5BYUZkdktZNnU5SG11Vlh3blNpOXNhdFB2bWV5MTNaOXQzbkZSUFlmY3RRbFJEMEpab3dhWEJndHNDQm1rQ2drQ3NRaDNZVTVTVDl5cVJJNGVwdlIzRFIzQzdBNmJxeTliazA4alFuemJ0N1HSAY8BQVVfeXFMTUZzeVhkMWxEYnBNNFRGTHIxOHgtdFdaUGNwTEhaUS10eVdjN2NRcGZXZFpWcThXcU5yZDV4NHpoTVVsUWhwZ2xtZndkbjFDRHV1Z21zRDc4UVN6N2N0S2kwU0UwZV9hMDU3SGR1LU8yVjRmbGVNb3J6dERKVVRQdTIyYy15Q2JocFlWVGhTSjg?oc=5) · East Bay Times
- 2018-07-30 [Bill Nethercott - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA1NGUxbWFrb3hDT1dPbmxDZmRiYnZQRW9HUDF6YWpDbmRRVlZvY0lmekFqZFh6UzlYZHdBalM3WUtuaGtVek9ISUNRZExtMkxrQzNmTEpwcWo1YUFvQmpieg?oc=5) · Los Angeles Business Journal
- 2023-11-30 [Gateway Bank, F.S.B. Completes $15.0 Million Private Placement - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxOc20weUxORTVNVTk2eE9lRERmeVRjcTk1bEo5MmUxSVlwakRkT1diamhyZGVTaHVrRElrdnpQc0ZXWkdSYlppd01MQ3JrY1p2bHg3R3pnVkNYWWdHTXRiZHNQaG1BTzUtWk5wVEk2TFhQWnZYVVUzclNYWjlUTkhKbi12LTQ1ZHBYcy1WSFpJTzIyUnNMaTBycmFpc3RadDE0dDFWR1AwUGdYSWVPSzZncFZnY3dRT3hLanp1eg?oc=5) · Business Wire
- 2019-05-17 [San Jose's Heritage Bank snaps up San Francisco rival in $200M deal - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSThsa21na0szNm0wYXJYRTBIdnBpcFFnbTBsM0R2VkJBNFRKRzFhb0F0ODdqR0FpcHlua0k4dElmeE1HSVo2QUdlZU9zWXNHX2x3ZGRaT0tzYWU3TnNmRXZmTGpCUzNGcUVmREtJNU9BR1M3UmRNeGN6WUp2ekpaZGs0ZVg2Q2pHeERSdVJhLTVpbUFnSERaNTM3Sng?oc=5) · The Business Journals
- 2025-11-18 [Governor Swalwell? Rep Eric Swalwell Eyes Gubernatorial Bid - California Globe](https://news.google.com/rss/articles/CBMilAFBVV95cUxNa3Q3Q2pQMFpJRnVTNi01WnhXNEFCZTJwbUI4T25uNFQwdUUtb2VrNzNMOXBETWoydWREbEZXSzlWSlVicU1QaUhzRTZsNExKOUxiTmppclM4ck1jcmQyeVdXZGllYUhYXzN1SzhYQUV0ZWNSVWQ3TzZlQldEMlBGekNuSmtSV1hIdWJpSV93anl0ZTI4?oc=5) · California Globe
- 2014-06-24 [Alumni Updates - SJSU Blogs](https://news.google.com/rss/articles/CBMiZkFVX3lxTE92RjFGek1jaEJoTFA3OE53RHdIcW54b0NLX01qdEU5M0xUWll2b1VjbWg4bm1EZElOQThxUFU4bDA0UTdzYWpCb0FOWXRlNXpMc3FoS3lNNUJKOVhXWlRGb3d2YlhLQQ?oc=5) · SJSU Blogs
- 2009-08-20 [That’s a wrap in Livermore - East Bay Times](https://news.google.com/rss/articles/CBMidEFVX3lxTFBobDZCbk5vOHhYRi1VZjY1VzRzbXF6VzN0ZW5oSEdBTmVNYnpUbENPVW1LbVZ1aWpBSDZRRjJtN05yaFdiLTdrQy1nWk01cTVBU2x0ZVI3VWJUeTd0UFZqNzNPMF8zQWYyblhBU2NFZWpFNjlj0gF6QVVfeXFMTkVaZk4wMkhpbnE4TlZPWlNGemRJaTNlWU1NRjhwRkgxRThoWUdIamctM0JnbjlDbjltRzEwRlNVdWI0S1NTR2FIR1Q5d3hhZlhmbDM5SXdtM3hDSjcwN3BFUHpSaGhERnFFUnBnWTlBcXBQcHVqZi1GbHc?oc=5) · East Bay Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58004 (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/20.json (key "58004", 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