# BANK OF SAN FRANCISCO
SAN FRANCISCO, CA · FDIC certificate 58069 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $863.6M | |
| Deposits | $740.7M | |
| Loans and leases | $695.8M | |
| Total equity | $86.9M | |
| Loans / deposits | 92.82% (p77 of band) | 82.04% |
| Liquid assets / assets | 17.84% (p24 of band) | |
| Uninsured deposits / deposits | 47.64% (p94 of band) | 25.97% |
| Brokered deposits | 4.26% | |
| Wholesale funding | 7.04% (p67 of band) | |
| FHLB advances / assets | 2.78% | |
| Tier 1 leverage | 10.92% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -0.32% (p92 of band) | -8.10% |
| AOCI / equity | -0.28% (p54 of band) | |
| ROA (annualized) | 0.93% (p28 of band) | 1.28% |
| Net interest margin | 4.34% (p75 of band) | 3.91% |
| Efficiency ratio | 64.08% (p58 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1323.60% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 14.11% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 27.2% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2013-03 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | uninsured deposits >50% | capital falling |
| 2016-06 | 0 |  | uninsured deposits >50% |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2017-03 | 0 |  | uninsured deposits >50%, capital falling, run vulnerability |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | run vulnerability | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 3 | brokered >10% | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | capital falling | brokered >10% |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | run vulnerability, capital falling |
| 2020-06 | 2 | wholesale funding >15% |  |
| 2020-09 | 5 | loans exceed deposits, brokered >10%, run vulnerability |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 |  | uninsured deposits >50%, run vulnerability |
| 2021-06 | 4 | uninsured deposits >50%, run vulnerability | loans exceed deposits |
| 2021-09 | 3 | assets shrinking | wholesale funding >15%, brokered >10% |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | deposits shrinking |  |
| 2022-06 | 1 |  | run vulnerability, assets shrinking, deposits shrinking |
| 2022-09 | 2 | run vulnerability |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 1 | brokered >10% | uninsured deposits >50%, run vulnerability, charge-offs p90 |
| 2023-06 | 4 | uninsured deposits >50%, run vulnerability, deposits shrinking |  |
| 2023-09 | 2 |  | brokered >10%, deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 0 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-09-01 [Bank of San Francisco Announces Daniel H. Edelman as Chair of the Board of Directors - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxNN1VKNkV0OHgzWVJ4UGU2MktwdjZ0S2FYblI5dm9jYzFUSE5GajJVTXc2Mi04cktSQlhPbzdmRGwwNUgxTnFUVDFsUHVCWFg5ZjZVNHRVcjVJVnJ6VTlPeEhGdElBalJtX3JsZTlBTnh6UkhXWG5Iam9fSW5iY2tPNDdvaWx6bS1KTDVvS2ZLZUpDNmdEM0s3Qk5lYXRLcnBiMmc?oc=5) · Yahoo Finance
- 2026-01-09 [Membership and Leadership Announcements for the Federal Reserve Bank of San Francisco’s Head Office Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi8gFBVV95cUxON2U2NTMycW5id0ZyaUd5ZWZlZElqa3FJX1VOVndpcXBnYzE3WFp3NUJVU1JXTWV3WkprSkU1WGxGMnNic0tybkJNSl83dEVOT01DODlFY3NNQjRTSkZXWmQzek9YSlgzOTJrcTRVSUdoMkFUMUhmQzgwLTFWZndkTlV3eGwzXzBDcU9Ddzh4Mm9xWEJJby1hc2RmQS1iSkdBSHpKbEhUWUhwdkVQYldBdG1SVDd5YkFTTmIwMUZrUjdIcjlZamVsdmVCNDJXY09lcjJETmJzNUYyTnZmYjNGUDFyODY0WlAxR2Y5dmxNZ1BxUQ?oc=5) · Federal Reserve Bank of San Francisco
- 2026-08-18 [U.S. Rep. George Whitesides Joins FHLBank San Francisco for Affordable Housing Roundtable - GlobeNewswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPMm1qOGJZaUFiRWNIMWNfanpfOFZ4Yms5T0VSdTBrQnlBVlNlYXREaGNlVTZCNmowLUVPUkZpZm1jWjV4TG45LW8zSFBPMFVXQlZUbllULVZjYnd3QWN1VUw5by1FbmJ1ZDVHYlNKZ2k2MWV6ZFo4ZEczV0JudlZVU2tPcWV1eE5QS3lmaE1UUWNyZmkxRjRuRVoxdWJYd0RLVENGR1h1M2RuM3dOOFVZdy1zcnJEdXI1X2NwWmMtcEN1dTJRcFRORzFzMnNKeDFEeEpsbm5hSzJPZ0hCQXU0YWU2QVkyejRjMU5JNEpZM0w?oc=5) · GlobeNewswire
- 2026-05-04 [ENC hosts Federal Reserve Bank of San Francisco at California production facility - Sustainable Bus](https://news.google.com/rss/articles/CBMimgFBVV95cUxNX182VnVEVzFocDNRR0FkSU93UHF4YkJ3MDI0cEcxREYydm9tbmt4SkVWZ2hlUG1UMHoyeWF6cDhIa1RCTW9yMGtSZW8tWGdRYWpMZzFnMlVMTTVtLVJZX25XNlFsbTFfdFZxXzNVOXRNcThLWlNpNzNmZjlzbHV1b1RDNWpIUTZHNG01eS1DTkRpcmFvTV9QYzh3?oc=5) · Sustainable Bus
- 2026-06-19 [Commercial Bank of California aims to be 'new kid on the block' in San Francisco - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQb3NDZmp3VWczSDVTV09OU1RPUWo5c1RkMmxPeEV4Q2Zza0pKdkN6TktIZG1RMmtfU3lob3c4Tk05XzdCbjd3U25YUE0tdVdvdzA2dFM5eTFSQVUxRnBRZDZ4MEpEdGE5YnRyQnNHTTVyc2p0RWQtaV9RdHdSVXdJYXo5N2ViLU1DNnB1WkFFUmhtSC11UHl3c1BHdWVERTBXX1NOUmRNVUYxYjA?oc=5) · The Business Journals
- 2025-12-17 [Pomona Students Get Inside Look at the San Francisco Fed - Pomona College](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWU1Yb0NrMmhQMnNYeG13akF4SVBKbTRVSVM3ZEcxdndwRzBiZUJsWlBOa043QlBXMWs1V0lEOWtNRnNzbVA5REpfRDZud29hTlF5cjd1UzZNRXZCUjVjZDhGZGt0WlRpTElKbWtHdlRNTDYtOS03cE5JY3ZJRi1VaUNHUEV3dkhHSHc3M1hWTmJNUQ?oc=5) · Pomona College
- 2026-09-01 [Bank of San Francisco Announces Daniel H. Edelman as Chair of the Board of Directors - Corsicana Daily Sun](https://news.google.com/rss/articles/CBMihwJBVV95cUxPczNkSzlxRnV4NkwtSnZzZXZuOXNQSHFUOUs1eGdONC1ESTcxQXUyTEJUdEt1dnpfSUZPRlk3cmlaNG5jeEhUOFY0ZlEwNThQTkNHUUgyOENiNU9WZ3UzMFRFcUV5RTNvd2RfZERfWjVGYWV1WlVwbjRwdTgwQ0NuUmx4N1hyOTdGVVA4V2NWN3F5cGRpeGZXOEFMdVdFOWMzOUN1UVdOcFJ5aTVteFBRckswMkh5SFFBZHpQcHhGV2RTMklIYldrdDRmbFFTRmFFOHJrVGp1ZWQyV0VKbldpc1E3a05VOFlYMWhSaHJTeWZ5cGRVQ3M4a0FzbDdKak9HbkttV29GYw?oc=5) · Corsicana Daily Sun
- 2026-01-09 [Membership and Leadership Announcements for the Federal Reserve Bank of San Francisco’s Los Angeles Branch Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOazZoUzFkd2FaelVJV2NQRWhEdFdGOHhnQUdTNXlPME5wVEstdjl1VWxoZUpJNmsxZG56clA5aGRsVDJ1cUd1NG4tTXI3SjBBd1Y2aDF3LWhvN1FIMVpLcnF6dnJSQnZKUVlvb1g4UlJyRk1oUnNMOHUwclB3QU1uS1RiaERYd3BoUFcyTGtSbE1BaWY5NjZidjdoVXpVal95TDBpUEpxXy1XRDFFRGRGRldGdXpLN2U2QTI4d3NRUFVYNE1ESnQtellvNXEtUUM0djRfYW82UDZDdw?oc=5) · Federal Reserve Bank of San Francisco

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58069 (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/21.json (key "58069", 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