# CORONADO FIRST BANK
CORONADO, CA · FDIC certificate 58019 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $79.9M | |
| Deposits | $71.2M | |
| Loans and leases | $49.5M | |
| Total equity | $8.6M | |
| Loans / deposits | 67.79% (p42 of band) | 71.39% |
| Liquid assets / assets | 35.52% (p55 of band) | |
| Uninsured deposits / deposits | 13.91% (p77 of band) | 8.02% |
| Brokered deposits | 3.57% | |
| Wholesale funding | 3.57% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.66% (p60 of band) | 9.99% |
| Unrealized securities loss / equity | 0.33% (p18 of band) | 3.72% |
| AOCI / equity | 0.71% (p37 of band) | |
| ROA (annualized) | -1.38% (p6 of band) | 0.72% |
| Net interest margin | 4.60% (p87 of band) | 3.86% |
| Efficiency ratio | 106.24% (p92 of band) | |
| Noncurrent loans | 3.28% (p75 of band) | 1.48% |
| Net charge-offs (annualized) | 1.08% (p91 of band) | |
| Reserve coverage of noncurrent | 76.91% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 61.48% (p84 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 | – | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90, construction >100% equity |
| 2011-09 | 5 | capital falling |  |

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

- 2012-12-03 [California Firms Merge To Create San Diego Private Bank - Wealth Briefing](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQU3FMdjh6VXRSMnVwalRvYW9zUkYtVjF6eXd0cndWdnZvcGw3anNXd2NIdTNmSzhjQnE3MkNodTNydmVzYXl5MTk3dURjNnRGTE5wQWl4NE5WcFdLbXBlRmowMXlZdVZtLXpiRmk0SEI3YkdvWU9DTXlvTnZrZWpNeWNKRURNNWFkRmg2VnNrUGN1OXhHSEpzNkNUODVKa0VXOV8wYl9hR0o?oc=5) · Wealth Briefing
- 2013-04-04 [Two Private Banks In California Complete Merger - Wealth Briefing](https://news.google.com/rss/articles/CBMimwFBVV95cUxOYXBSRld0Nk8zOVZ2V2xwS3ZDbEpFQUhRbTZzUXJ1emw2dHVFM2VqRktvVU1pdW9Qd0NYNTk0OVUwampKXzhrNGRkTmduLUlUOXUyQWxPM1hleERhM2cwci1Da01sdnlhQVFSSjl1SV9TVlBXMHhUSkw3VVRnWE82MGdjczluQUxVS3hYSEpvVTBaamJVLVVJWUhjZw?oc=5) · Wealth Briefing
- 2013-03-06 [SD Trust Bank sold to Pacific Premier - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdk5NYXVZN0RSSk9TUDUtWVpYcDJvemNMUHdWVS1nRk9EZUtmOV9Ra0M2LTk5RDNLY3h4M1UyYUxKekdibHF2NGVoOGpqajNIMTNKck5RVDQwbmNVcnhVZWJveTRpbnctUVY0V2QxbEhRZXJHTEp0VHRiTXQ5Wk5OWUVmSFUzZC1YUmpJcy1XYw?oc=5) · San Diego Union-Tribune
- 2023-04-07 [How Bill Huck’s $4 daily food budget taught him the value of money and love of Coronado - The Coronado News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNUGFkWmJaMFpzTUlhMzBhbXlRLUZLQWsxdXRIMDl0VW9pNTIxT1d1OHNqc2RMSmUxZlluQ0kyb0pNaWRmb2tsMHlpY2FBb2JESzljUjAxS0g3cElZUlNGQ3FjZjBpS0FXWkJCMFJsdXJVNUkwME9XU3dVcDNGckJ0NUZMSk9tamxwSXVaREZXbGlfQ2s5VXJ5ZkltSWpJaHdIemkyekxGbENHWGMwbmFjOEdJckdXeDQ3ZkJsRGtlUQ?oc=5) · The Coronado News
- 2016-06-09 [Doug St. Denis Receives The Coronado Rotary Club’s Bob Watson Service Above Self Award - Coronado Eagle & Journal](https://news.google.com/rss/articles/CBMinAJBVV95cUxPbFVlSmJrMEFEUDJ2WTFEb05GbzJGbldtd1VpYm85WnBVdUo4RUlybmVBQ21VVzZEVExXVEp2X3ZvZUZzNUdZdDlNU3JSNkszeUl5Zi1yUkQ1TUkzOXM5a2NIcUFGUkJmYkZXbm1vd2FFZ1owWU1rSXFVUUowcFNYc1hyOFk3SmFRVktBMFNGNGFFa1BPcTE5NGRHRmY3OGpPdHptN3o5QXphLVFtN0Q3cW5raTRYX3lSRnRUR28tUVJiclh1TU5Hc3NYeTNaLXJuREZPLTg5akUydHdvd0R4YWxIX1k1T2FFXzJYd0FPcjNzcXZ3M2kwSmloTmZMR1lUbVlzYTlMTUNQeDN4dTJkNk5lcjRwM1UyU1djUw?oc=5) · Coronado Eagle &amp; Journal
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2015-01-07 [Services for Vice Admiral Edward Martin Saturday, Jan. 10 - Coronado Times Newspaper](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNnRLWEdnXzFjTWpIM25RalhLUzBLZzJUODhkY3NrOVJSRXR0UFdtZ185dlpib25adnJGdDZNRVRObU1JQzJBcnAzZWxvVjZkVmZMZ2lDOUF3NElzaFlCUzJ1RzdvWlR5em85RGdiWThKMVRpcUFQTUJwM3k5emRLV0RxaFN3Ui1fQUtKclYxQllRN3c1WmwxWGtrRFlWcWc?oc=5) · Coronado Times Newspaper
- 2022-02-24 [Photo Galleries - Coronado Mustangs (Lubbock, TX) Baseball - MaxPreps](https://news.google.com/rss/articles/CBMiggFBVV95cUxONGViYmFqZ29reHRyVk9KLU41YmUyR3RCNEFDNHV6VEYzeFNxTE1UOUpFMkhsMGIzTjdpQWdVUHZvUlNscVNaMWY1LWlaajJMQUV5UXJfSWJSbU5PT2RKdVB2RnRKdFZsSFF2YXBNWTkxSGdHMTRLekhKcHAzZndiMTZ3?oc=5) · MaxPreps

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58019 (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/35.json (key "58019", 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