# COMMUNITY BUSINESS BANK
WEST SACRAMENTO, CA · FDIC certificate 58159 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $321.4M | |
| Deposits | $249.7M | |
| Loans and leases | $242.4M | |
| Total equity | $33.4M | |
| Loans / deposits | 96.06% (p77 of band) | 84.92% |
| Liquid assets / assets | 22.43% (p48 of band) | |
| Uninsured deposits / deposits | 34.89% (p84 of band) | 21.35% |
| Brokered deposits | 12.67% | |
| Wholesale funding | 23.34% (p93 of band) | |
| FHLB advances / assets | 10.67% | |
| Tier 1 leverage | 10.28% (p49 of band) | 10.35% |
| Unrealized securities loss / equity | -7.84% (p10 of band) | -2.32% |
| AOCI / equity | -2.32% (p25 of band) | |
| ROA (annualized) | 1.26% (p67 of band) | 1.05% |
| Net interest margin | 4.06% (p76 of band) | 3.67% |
| Efficiency ratio | 54.32% (p15 of band) | |
| Noncurrent loans | 0.84% (p65 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 124.88% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 100.29% (p90 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2012-06 | 5 | uninsured deposits leaving | losing money |
| 2012-09 | 5 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 6 | assets shrinking |  |
| 2013-03 | 3 |  | charge-offs p90, reserve under noncurrent, assets shrinking |
| 2013-06 | 2 |  | deposits shrinking |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | brokered >10%, capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | brokered >10% |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 3 | construction >100% equity | capital falling |

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

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- 2020-10-01 [Nathan Rogge Named 2020 CEO of the Year by the San Diego Business Journal - Business Wire](https://news.google.com/rss/articles/CBMiygFBVV95cUxPWktucHpRamZPTTBXZTh4Nl9JOEdVQTVZYzVnZEVDWjJUaTRzV0Y2dUVVSld0bTFIcTBScVYteWhaNXU4WnhvY2RJdHotb3BSQmJRTVFSSjJaQUlQZG9SaWtzNVZ3d2E4NE85RU5uSERic2pZc2Zua0x3NEZzekxoSGVWZEFFa0VJTGpoSTBHMENlZHFVTjZoSkpUaXFfOXFrZGJIZzJOejd5d2N2N1VuMi00dmJJQkpUZDYxZ0FTY3ZtYXczTUl2ZUFn?oc=5) · Business Wire
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- 2024-11-01 [CBC BANCORP ANNOUNCES COMPLETION OF ACQUISITION OF BAY COMMUNITY BANCORP - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxNd212Z0JHaU9teUcyT1ZuV2lkd2U3V2VYTFNUcE5qSXdNSUU1ZlhhdzV5ZlNaNVF3cTM1QU9VMllRelZaV3BITktxQ3BaTlRnbTRqeWJGcEwtMXpRdWdiRk8yMTRvTXBfZlZEQ1phMzVpN2w5bGxUVFVvS3NFWTFzaXpaWVdBVXR4NVg1Y2E2TWtGX2NnbUdYRmhSM1A5TEM1Z2g4X0ozZU9yS0lxVjJyY2pIeHFJSjB1djVabWs3NTJfWFBMNFRj?oc=5) · PR Newswire
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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58159 (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/47.json (key "58159", 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