# COMMUNITY 1ST BANK
AUBURN, CA · FDIC certificate 58191 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**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 | $410.4M | |
| Deposits | $375.4M | |
| Loans and leases | $227.7M | |
| Total equity | $34.3M | |
| Loans / deposits | 59.83% (p12 of band) | 85.45% |
| Liquid assets / assets | 42.39% (p86 of band) | |
| Uninsured deposits / deposits | 47.79% (p96 of band) | 21.11% |
| Brokered deposits | 1.66% | |
| Wholesale funding | 1.66% (p26 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.86% (p15 of band) | 10.27% |
| Unrealized securities loss / equity | -4.52% (p2 of band) | 0.09% |
| AOCI / equity | 3.31% (p91 of band) | |
| ROA (annualized) | 0.70% (p25 of band) | 0.96% |
| Net interest margin | 3.36% (p29 of band) | 3.65% |
| Efficiency ratio | 61.63% (p33 of band) | |
| Noncurrent loans | 0.12% (p17 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 1101.78% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 5.89% (p10 of band) | |
| Auto loans | $19,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | expense ratio p90, charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 5 | expense ratio p90, charge-offs p90 |  |
| 2012-03 | 3 | capital falling | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 1 |  | noncurrent p90, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 1 | uninsured deposits >50% |  |
| 2013-12 | 1 | capital falling | uninsured deposits >50% |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | assets shrinking | charge-offs p90 |
| 2014-12 | 1 |  | assets shrinking |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

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

- 2024-02-21 [The CEO of the Year is James J. Kim, Central Valley Community Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOd01kUXR3WHdaVWg5czZIdjNXOHJydy1udURIY21DU2FOcTFSWkpDbUdJNm1paUNYdVRaRlhaTWJ2ZUVtSTJ1UDRudlp2SVBoSm1IaTBuRWNXdU1xZWw3a2wyRlQ4ZmVVZzV4M2FVcGg2RDRDWW1OaUotWFh5dVRadXdpSF9NdEdyb2FjMzhUMmVxY1dOWDl4U3BSeWw?oc=5) · thebusinessjournal.com
- 2025-03-16 [Steve Budiono Joins Community 1st Bank - rosevilletoday.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNSm1HMDFPczgwTDJxcjFXRGFtMkNEVHBfeXdidHBuRWZHMmlKd1hyLXdtUzEtaEM1US1FUlh3NDBSSGdhV3dHVVVFQU5SYVN2NUFGWldOVU1SbUhGOG1vdHBuWUE5dmxRVW5TMnRESmd4enliYXRaaXBoWFR4cFVZSTMzeVdWYlnSAYwBQVVfeXFMTVdaUU42ZWdnMHZ6d0lTeTM3enZLNlVmVkJqQmhyU3FtaTJ6RlBfQV9wNTJYc1NxdzFQSlFoLUMwa1VBMUowSFkyY3JPeS1Fd3Z2TFd1Y1luT0NYZFExUHRDRUNkVlNkY2VnVENNOWU2UkdVNm9zeE12ZW1HcGUtVlI3T3pEdWVRcTNfX0Q?oc=5) · rosevilletoday.com
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2015-01-30 [James Kim: Community 1st Bank CEO, in the right place at the right time - The Business Journals](https://news.google.com/rss/articles/CBMitAFBVV95cUxOendaR0kyQ1kyNk1HdTRRWXhVazl4dERmbnZvOTg2Q25DQkhOWV9WN2dQcVVIRU5zVURIRlN5ZlpvSmVRREphanhta251NkRISFRYVE0wODlCUHlRLWM5cHdwNmp3aG5qMVpMM2RfSzBjNVFVNURiMERtd2lkc3U5bXVPb0M2U2pHbjdCR1A0ZnZjVXZBNG9WRG14anJZaGI1dFVIaU42aV96MmRHUHcwUUE5MDg?oc=5) · The Business Journals
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2017-06-15 [First Foundation Buys Bank - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1mSGF2WFU4cWpYUzdheHRFMEJzSGkxTmx5WGVxZ2xyOURiVkdSUEhObnBDaWJvRTZUdHQta2MtZ2tkM2JqeHpGd1psZWw2aUpkSzEwZ0VvOFkxanpRZ0ZYdkczeW1mMlE?oc=5) · Orange County Business Journal
- 2018-03-13 [Robin Sievers Obituary - Fair Oaks, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYm5vekE4c19Fc0JMc1p0ZGJIYTRhcUJGbFhZM3dtWDAyMFlMUjB2c2tTZDY2TDdJSUZreXNTYUphUW9MY2pvOXVSaTNycmNGdW9HVmZ2YXlLcmV2Znl1T2xKS2FGS21pS3RxelBocTIwZ2RBb0RfdkMtN2FJbGRDc0RiOA?oc=5) · Dignity Memorial
- 2021-10-12 [Julie Farinha Obituary (1963 - 2007) - Auburn, CA - Auburn Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNy11ejVFUmdDNW41WktxS3c2b0s3NEVaeHp5NjRVdFBLbHc3R1VyTXNxQ2xvYVVvcU44X3FSN1BXZW1waVdSTFJwdXlzRTNIcGUyMEdja1RpR1hmWmRwa0NUQzFpY0Q5VlpaVkIxVWJaVWMzZElPWm04SV9FZEUxZGlDc0NTWDBRLUZBVnJPLTlldVB2?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58191 (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/15.json (key "58191", 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