# PACIFIC RIM BANK
HONOLULU, HI · FDIC certificate 58137 · asset band <$300M · latest filing 2015-03 · 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 | $130.9M | |
| Deposits | $121.0M | |
| Loans and leases | $78.7M | |
| Total equity | $9.5M | |
| Loans / deposits | 63.41% (p38 of band) | 70.43% |
| Liquid assets / assets | 37.37% (p56 of band) | |
| Uninsured deposits / deposits | 11.48% (p42 of band) | 13.33% |
| Brokered deposits | 0.82% | |
| Wholesale funding | 0.82% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.41% (p4 of band) | 10.49% |
| Unrealized securities loss / equity | 1.70% (p55 of band) | 1.32% |
| AOCI / equity | 0.40% (p46 of band) | |
| ROA (annualized) | -0.75% (p3 of band) | 0.80% |
| Net interest margin | 3.14% (p26 of band) | 3.57% |
| Efficiency ratio | 124.82% (p98 of band) | |
| Noncurrent loans | 0.03% (p16 of band) | 0.77% |
| Net charge-offs (annualized) | 0.86% (p98 of band) | |
| Reserve coverage of noncurrent | 8708.70% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 40.53% (p76 of band) | |
| Auto loans | $5,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **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 | 2 | leverage <7%, losing money |  |
| 2011-06 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2011-09 | 2 |  | losing money, charge-offs p90 |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | leverage <7% |
| 2013-03 | 0 |  |  |
| 2013-06 | 4 | leverage <7%, capital falling, losing money, expense ratio p90 |  |
| 2013-09 | 2 |  | leverage <7%, capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | uninsured deposits leaving |
| 2014-12 | 2 |  | deposits shrinking, assets shrinking |
| 2015-03 | 4 | capital falling, charge-offs p90 |  |

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

- 2015-06-17 [First Foundation Bank Completes Merger, Branches Out Into Hawaii - Family Wealth Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeFZxTUdMckp5eGJ3NkpMQmlLOWRuVWNDMVJGVzNydEZ4bnhsY0NmbWI1dEcydS1nV0ktd0JRc0NnelZYRTBGUTFLRU16djlpLU05MG1ib1ViTlZZRXZHc0Z3dzNSeEdMbFMyMjl1WGYtVDFUZXlVQ2lrU3F3VG1tR0NVYzRiWFZab3pUWmZ4djd3ZFppQ2hiSXU0TzhyNVBlY2QwcTc0X0JyM2Q0UTdnbQ?oc=5) · Family Wealth Report
- 2006-02-28 [New bank ready for business - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMidEFVX3lxTFBrd0Fydm5fTmxkSGJZaGptaExEYTVaNUxpMUNkREZGdHprbEl5NExwd0UyRTZmUUc5TFo5UjNDbm96Q0xBTzYzcl9oVTJobmRydk5fMUVEOGtsUlMzYTh1Y09EWjhMaGlQWWhyTHNYVWhCMGZ3?oc=5) · Honolulu Star-Advertiser
- 2018-10-02 [Consulate General of Japan at Honolulu - honolulu.us.emb-japan.go.jp](https://news.google.com/rss/articles/CBMibkFVX3lxTE9oMEh1aFlIOVFFUGlUVGZxb2JmVHU3UTRSUkVjRVNyWFdRWVJSaVRXR2RVaXNGaC0wVTFJaW0tNWhsZVVBRFVTY3c1OUhXQ1pncW10SFpKbkx2V3E2cS0tWlZfTUtRcW1lVGthUFR3?oc=5) · honolulu.us.emb-japan.go.jp
- 2010-11-03 [Down, Not Out - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1UdmVVNXdYVWRzTWtPUWVXVzJpRUNxMngxQVFKN182TllGYWtPeEg2WVRzdlQyeFloT2xWbHhKSjBrT3YyemNtM2I3WnhrVXBxSG1KbEtMVQ?oc=5) · Hawaii Business Magazine
- 2013-11-18 [Banks Accepting Philippines Relief; Foundation Matching Donations - Big Island Now](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdVRBeWlMbHQtLUZDYk5WRUY0QUFSRWpvQzItWUdaaWMyc2FySl9rVFU4QUVQSWE4MEFabVhfYmZSR21XcHBHSFV6VmhZN2MzMENCWDlEcmRRa1o4aldmWHpkV3gySEpkTWxnc1BoZkxLcFpXLVBKWVBRNkJodGFJWFNGVUR5TXlhWlBtWVMwcWJKdUdoQmtrVG9DbE96bXEzanZF?oc=5) · Big Island Now
- 2016-06-17 [Ed Pei on the state of Hawaii banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQeDBYZG9nd3I4MXBhSC1BRWpOMFJJanJOOVJvMEg2VWhxcWRLTU80OWRnWnhta1ZCcHZQSm1XLTFfdnM1WlY5d1hNckxmUjdMRzRrdUNxTW03eF9VZkdVMFFBbFBaLWo4T01odHdBNnoySW4wSjh3aEhzajc3YVdrQzF6VXZWeWtmQWc5dnBDazZnellBaTkyMm4yRnlnZHZrY3cw?oc=5) · The Business Journals
- 2010-09-05 [Lights. Camera. Cash. - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMiekFVX3lxTE1JUVFiUzhBNjZOTDIteXZrdWNpTHFFSXBOQXZxc0F6ZlVBM1lWZmppRVdaMzVaUmR3bU9zWGh3b3h3QWNJYi03SGI4YTV5YWNmYk13MmRzRG5pYVA0RmgwTHYtM2dsXzNPWXhWNnprdTVYYnhURjVtUFVR?oc=5) · Honolulu Star-Advertiser
- 2010-03-12 [Everyone Acts Small in Local Banking - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5BMXJjWTluTVlxYzFOZnJyaXJLOU0tUDFZRHBjcHNMcUowNnpRVzRkSmdWVFI2aXVoYmg3X2JPYTB1bEVyX3g5MHVfS3luMmZXQ0NYVFhCeThSTVUyenBZSVQwd2dMWDhnM3V6eDV6dVk5MmJvdVRZ?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58137 (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/25.json (key "58137", 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