# BANK OF SANTA BARBARA
SANTA BARBARA, CA · FDIC certificate 58098 · asset band <$300M · latest filing 2015-12 · 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 | $177.3M | |
| Deposits | $159.7M | |
| Loans and leases | $141.0M | |
| Total equity | $15.3M | |
| Loans / deposits | 87.18% (p75 of band) | 73.15% |
| Liquid assets / assets | 17.14% (p16 of band) | |
| Uninsured deposits / deposits | 28.81% (p90 of band) | 14.12% |
| Brokered deposits | 10.12% | |
| Wholesale funding | 11.25% (p86 of band) | |
| FHLB advances / assets | 1.13% | |
| Tier 1 leverage | 7.80% (p5 of band) | 10.64% |
| Unrealized securities loss / equity | 0.33% (p52 of band) | 0.27% |
| AOCI / equity | -0.18% (p41 of band) | |
| ROA (annualized) | -0.49% (p3 of band) | 0.82% |
| Net interest margin | 4.41% (p86 of band) | 3.64% |
| Efficiency ratio | 104.53% (p95 of band) | |
| Noncurrent loans | 0.51% (p44 of band) | 0.67% |
| Net charge-offs (annualized) | 0.43% (p94 of band) | |
| Reserve coverage of noncurrent | 253.90% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 27.27% (p64 of band) | |
| Auto loans | $26,000 (0.02% of loans; DQ 38.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.4% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 3 | losing money, expense ratio p90 |  |
| 2014-06 | 4 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 3 |  | uninsured deposits leaving |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2015-06 | 1 | expense ratio p90 | uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | brokered >10%, losing money, charge-offs p90 |  |

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

- 2025-12-27 [Food Bank of Santa Barbara County Gets Support From BofA During Holiday Surge - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNT1JxZGYxbEJZTmt6OV9XU1haZDV6eVQtZWUyeUpEOUFmQkJ2MF9nYjdKRVNkRFlaV0VMWjA0cDNhaW9SMDZYdlZYT0pCVGdiam00R1BWMGdzMnA3UlhpZUdYbHBGakhsSWVoUW83WE5hejdxRTJlMDhEekdudkhiRmhqRXpLYmtLdWtMSlN0UTVxWXV6YTdrOFVEZHM1QmtacXVCVjdJMVBjRXFZb185QWZJR2l1cGZo?oc=5) · The Santa Barbara Independent
- 2025-11-26 [Foodbank food distribution sites for northern Santa Barbara County - santamariatimes.com](https://news.google.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?oc=5) · santamariatimes.com
- 2016-02-11 [BizHawk: Starbucks to Open Soon Inside Carrillo Street Ralph’s Market - Noozhawk](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTXVRVU8tMHgxNDFrXzlieWU5WWg4ZFhkMUZ3eWtrR1gxR3VQZVpQMnd4enA0aXJOUG9CNktacHdaSHFzXzktWVlsMXV0RlB0Z1FTU3JiWHhZRUJlaEg0dl9Kc3FtRDk4ZUlmVnhlQUU5eU9KbHY2OVVkM0RqVlE4U0RLVVFpOVR5LUZ2LVRKOA?oc=5) · Noozhawk
- 2017-05-06 [California gold national bank note of San Jose tops - Coin World](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRHAwTjNBTG5SY1AzaFdSdzJSMFlYYWtiWG9JTVdreFRqSVFwektfMk01c19ZTEVNY2lXOVNnUUJKd0pKWFZFZG54d3l5MXhOUlJlYVdJOTQtUjZtXzdfdW84Sm1vRjhlYnZxbTFWd2NyTV9SRTBPbnN4MEtxa2RQZk9ZVi1EYXczaWZibVIzUWRjYTZIMUhQdXl2cEFEd25mTUJaNXJEQi0yU2s?oc=5) · Coin World
- 2021-08-30 [Dorothy Parker - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMibEFVX3lxTE9wSWNlS09OOFNTTm9pTGFiWUZ1dmZ3WGhZSHFtTExzM2RUYWFYelUzQVRzaHBKbGNUdGhiRzVYSWZpNThKS0pMdi1kRGRyeEFaUl81MXZudWhKcmh4QWdzSk9YdWJwd1FSWlR5dw?oc=5) · The Santa Barbara Independent
- 2017-05-15 [Obscure California National Gold Bank Notes Highlight Heritage US Currency Auction - coinweek.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOS2ZwYXp5WERpQmZSV3E0UWllbW5lbmhNdldEWVJlakRybzhSQ05YQlRQMHd1Q1BpWGlrMWkyODhKck1IY2ZuZnNSRTRwUXNOeTh5My1CQTNuMjdIZWl4S3gyRWRnT3pCWW8tWk9HMmxoWW9EQmc5V0QyNlFqV3FockJ6dWdaY1BZYmlRRzNiUUk3SE9TZndQUy1jTTZ0cXFHOW9RaFMtZw?oc=5) · coinweek.com
- 2016-01-24 [Bill Nelson Obituary (2016) - Santa Barbara, CA - Santa Barbara News-Press - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNN0NJQjZVeEJKNGJWUk9maEZmUEdBS2w0RHQ3dk5UaHFLb2R2MWZLQlFmRWRSeHlLYk5OSDh2WVZDZWl0MVBsY2pxV3lRbUxSc0MxY1JsTUc4SGJ2X29NUFBtT05lNnlJUmlETkNlYnNMV2NyS1FJblB6WFowMjRyNktKdmE3bm5qTmJUbg?oc=5) · Legacy obituary
- 2025-04-11 [George Wilson Jones - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMic0FVX3lxTE1ZYkFEdFUxR3ItSUFvY3VBdFlBUEhiUUU4WVR4VWxPWkRnQ2xuajE0dXFTZ1F4c1ktRTRRM3VzSGRiN203dW1HZGxXLVNtYkFTMjl2ZDRGcnNwRmJKWnFMaHpBVjc0ajRVVk5tX2VxVUFTc3c?oc=5) · The Santa Barbara Independent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58098 (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/50.json (key "58098", 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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