# PLAZA BANK
IRVINE, CA · FDIC certificate 58100 · asset band $1-10B · latest filing 2017-09 · 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 | $1.29B | |
| Deposits | $1.09B | |
| Loans and leases | $1.06B | |
| Total equity | $146.1M | |
| Loans / deposits | 96.03% (p68 of band) | 89.41% |
| Liquid assets / assets | 15.58% (p28 of band) | |
| Uninsured deposits / deposits | 50.52% (p90 of band) | 25.99% |
| Brokered deposits | 6.96% | |
| Wholesale funding | 10.53% (p54 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 10.76% (p68 of band) | 10.05% |
| Unrealized securities loss / equity | -0.06% (p46 of band) | -0.01% |
| AOCI / equity | -0.01% (p5 of band) | |
| ROA (annualized) | 1.38% (p84 of band) | 1.02% |
| Net interest margin | 4.95% (p96 of band) | 3.52% |
| Efficiency ratio | 53.44% (p22 of band) | |
| Noncurrent loans | 0.40% (p37 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 308.68% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 3.46% (p8 of band) | |
| Auto loans | $73.4M (6.94% of loans; DQ 0.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 165 | |

## 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 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | loans exceed deposits, capital falling |  |
| 2012-03 | 1 |  | loans exceed deposits, capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | loans exceed deposits | capital falling |
| 2013-06 | 1 |  | loans exceed deposits |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 2 | loans exceed deposits | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 | loans exceed deposits | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | losing money, expense ratio p90 | loans exceed deposits |
| 2015-09 | 1 |  | losing money |
| 2015-12 | 2 | uninsured deposits >50%, run vulnerability | expense ratio p90 |
| 2016-03 | 1 | loans exceed deposits | uninsured deposits >50%, run vulnerability |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | uninsured deposits >50%, run vulnerability | loans exceed deposits |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 1 | loans exceed deposits | uninsured deposits >50%, run vulnerability, capital falling |
| 2017-06 | 0 |  | loans exceed deposits |
| 2017-09 | 2 | uninsured deposits >50%, run vulnerability |  |

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

- 2026-01-07 [Snider Plaza on Bank St. downtown to transition from Uncommon space to urban park - obj.ca](https://news.google.com/rss/articles/CBMiekFVX3lxTFA3bVMtRjREcU1YSm9kZ0VkbVBmSEhXeDh0T1dSWmVwN0I3M3liRDFVTlRWalBuaXRPbmZ1b3lmcThvRFVpT01oSXBJeXMwa29wdGNvR1JKR0F1WUZXWDJteGo2QzhCdENyVmZTaEw2U2FsYTR3UlhLc1BB?oc=5) · obj.ca
- 2018-06-26 [Kathy Gonzales Joins Lendistry, Where Traditional Banking Culture Meets Innovation With a Purpose - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSkhqU0lhWUhwS2xFeDNDWGM5RzJ6ZnV1aEVMay04NFpBMHowRHMxRDFOb0Q3azUxY0Z6bEtyYkRBZ09TQ3c3b3hNQ1BHV3pOM0Fmc2tIeXdFbVNXMHpTeGc4cDBkemRDZXdOWWs3ZlozSi1lUkZTaHY3ZnhtMzJRSjAzcjM3VFpaMndTcVBrc2ZvVm1Td2xMNmdRMEttRC1LUTh4a095SUZhMW40ZHc?oc=5) · newswire.com
- 2015-03-12 [After Hiatus, Operation Choke Point Kicks Back into Gear - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYVJocmxvdFNHSno4UlJ6Q3dkMUNMb1RyRDdia24zUWNZekRBR2w2SXUtUl9wX1FkYjA1NjJEM1c2VTR3N0o5bFVfeUVTblZpY2hkQ0ZwZHhhcmI3NXdndFdlX0hKVmo5ZU9FNUQzb2loS0Y4THVvcGhRUWgxM19KdVV1a0ZhbUdmNTRwY3lRcnc4YjN5Ync?oc=5) · American Banker
- 2023-02-01 [Bank of the West’s new owner talks new name, job cuts and plans for Bay Area real estate - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPN0N6YUdZN21UUktMblV1WU9lbTRoTTFHUk02TVFXYk1tdUlYTTZzOEk3TW1xTDR3TUVwRVpmT2VLQXBiaWhzR0FxRHFISUFVdDFPSTRvRXV6QU0xbC1ocnRYaEljZGZ1YlJKMWNaUDJCOGVOejljaFFudWhjck5aNnh3cUhJcFZEalRDamNkT3VRUVJ3el9Nb3lBYkJ1UlNmekgzSkQyUUNXU3pzNzg0UC1B?oc=5) · The Business Journals
- 2023-08-05 [Rebecca Levey Obituary Jun 1, 2023 - Schertz Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE1oMGdCck5ocGdLZXY1dVphS2ZOQTE5V3BoSTkwNHhfdDlVRTNSQk1tVS1Bbi16anVRT2hQakpVSnJneEFNYm9faXZjRFJJcTVKaF9nTEN5dlpycktoTjdSVzdaUVFpeV9EZFJZ?oc=5) · Schertz Funeral Home & Crematory
- 2018-06-07 [Meet Adam Seery of Harvest Small Business Finance - SDVoyager](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZzhFUmVCdmlwQXB2d1pHYlJydVhuY2FHNjByRzJRcGNZSW5VSnYwRkk5MnAyTktCTmhwYkxwUl9NZVVLNUo1bzBOb2lIZ1E0N2lnbmtBVURSTjgtTGlIa2ppRmszWVNIejZuaHU3dU9TbjNZT1hEUWNwTlZOaTdxTENZcUFxdjNmSHlyTXUtazNCTUlubEE?oc=5) · SDVoyager
- 2023-06-13 [Wells Fargo To Close Its Monroe Branch - Patch](https://news.google.com/rss/articles/CBMifEFVX3lxTE00R0xkR0wxRlVnQ2FLQ2QyZ2didDJleUVuS1hJX2NUV0d3UTlteUFTWVVYNDNSemxMQWRoRm5fNnEzNjRyRzFqeHFZbDdwc3UzWmxQYVJxRFVQemRkME9VdlZoX0Q3anQxU0t5TUltVmpBdEVoOHhUWWw5UC0?oc=5) · Patch
- 2015-03-30 [Investment giant Capital Group renews downtown L.A. lease for 15 years - Los Angeles Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRGFVNnpoaVlDamxWM1BsckNWV1FiQ3dfd2wwSVQ4dUZ3Ql9Qby04ZFQ4a1FmVVBpVE9RdGQwRy1Ud3Rvb3JCcTR6MGJ4a05LOGZUNVBjekMtaThpc2pwV09HNFllTVRZVmZ1bEVBbm1DbzdsVmpBWWhwenF3Yk9nNlEzQnk1RzNSd0RTQlBTM3hZcVBfVkVrQk5OeWdzOVVrV3Bxeg?oc=5) · Los Angeles Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58100 (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/52.json (key "58100", 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