# RECONTRUST CO NATIONAL ASSN
SIMI VALLEY, CA · FDIC certificate 58026 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**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 | $350.1M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $348.1M | |
| Loans / deposits | 0.00% (p0 of band) | 85.34% |
| Liquid assets / assets | 96.08% (p100 of band) | |
| Uninsured deposits / deposits | – | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 99.21% (p100 of band) | 10.60% |
| Unrealized securities loss / equity | 0.00% (p19 of band) | 0.73% |
| AOCI / equity | 0.00% (p6 of band) | |
| ROA (annualized) | -2.74% (p0 of band) | 1.13% |
| Net interest margin | 0.00% (p0 of band) | 3.74% |
| Efficiency ratio | 192.67% (p100 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | – | |
| Employees | 131 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | expense ratio p90, assets shrinking |  |
| 2013-12 | 4 | losing money |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | losing money |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, losing money |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | losing money |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 3 | losing money |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 1 |  | expense ratio p90, losing money, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 | expense ratio p90 | capital falling |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58026 (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/42.json (key "58026", 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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