# SECURITY FIRST BANK
FRESNO, CA · FDIC certificate 58212 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $104.0M | |
| Deposits | $85.8M | |
| Loans and leases | $81.8M | |
| Total equity | $15.3M | |
| Loans / deposits | 93.36% (p83 of band) | 75.30% |
| Liquid assets / assets | 16.38% (p17 of band) | |
| Uninsured deposits / deposits | 31.22% (p93 of band) | 14.23% |
| Brokered deposits | 0.24% | |
| Wholesale funding | 2.64% (p54 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 13.56% (p79 of band) | 10.87% |
| Unrealized securities loss / equity | 0.12% (p18 of band) | 1.65% |
| AOCI / equity | 1.24% (p63 of band) | |
| ROA (annualized) | 0.47% (p23 of band) | 0.88% |
| Net interest margin | 4.22% (p80 of band) | 3.67% |
| Efficiency ratio | 85.87% (p82 of band) | |
| Noncurrent loans | 4.07% (p95 of band) | 0.69% |
| Net charge-offs (annualized) | -0.15% (p3 of band) | |
| Reserve coverage of noncurrent | 51.59% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 58.46% (p84 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | noncurrent p90, construction >100% equity |
| 2011-09 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2011-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2012-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | expense ratio p90 |  |
| 2015-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2015-06 | 2 |  | capital falling, charge-offs p90 |
| 2015-09 | 1 |  | expense ratio p90 |
| 2015-12 | 0 |  | losing money |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 3 | deposits shrinking |  |
| 2016-09 | 2 |  | deposits shrinking |

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

- 2021-12-21 [Fresno bank executive retiring after 20 years on the job - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORjBqcG1zdVVUOElILVV5c0xoUkNkcWNxdzFNY0Z1aWtUTGNVdHdRazQwR1IyMkpMN010bldqQXA2dXlFMmFRSFdBYjhQYXZHcG1TV0FkcUhSUDhrZGNpcjBON1hQdU01Z1pGV3pnQUdMSkx3eWlubWx0UXF1UWVHdG9RZHFrSHZ1ZEFQcTZpT2Y3dw?oc=5) · thebusinessjournal.com
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2019-04-30 [CFG Community Bank Names J. Duncan Smith as New CFO - I95 Business](https://news.google.com/rss/articles/CBMiTEFVX3lxTE1FTFVfaW9ySUxDcV85TEE4TUxab0JRVnBrbG01VWFjalFNNzd3cHkzSFdQMEE5bEhVUHhKcXBhbXJTeWY0Z2laaEVWYUU?oc=5) · I95 Business
- 2018-04-17 [Apple Pay expands across US, Canada, Italy, Spain, and China - 9to5Mac](https://news.google.com/rss/articles/CBMieEFVX3lxTE1WbnNfVlpEUmpzZnYxeldvYVh3VTVYUjFtWEgzYVRnX2V6b3ppMlNVbXpwWC1IZVNwM0dGam1YLTFqbUpJby1PeVdCUnpvcEVya0wyU0t6OGJkc2Q0eEpTbGZWemZEb1JVZDh5R3d6aXBNdk5ieUVEMA?oc=5) · 9to5Mac
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2008-05-11 [Bonnie W. Johnson Obituary May 11, 2008 - Lindquist Mortuary](https://news.google.com/rss/articles/CBMibkFVX3lxTE1oX0taaU5qVTR5RkQtNnkwTXJxQU9Yc2VZMTJFdEM2M0Q3SnV2OUI0U1NabE13Ujd0dFkyMGNQNmhLOXBUb0ZaTjh5aGpVXzFGd3hQbmdoa1lfWGRhRTlIbVVaSkZPeVVqTVVETWRB?oc=5) · Lindquist Mortuary
- 2024-02-06 [QC Kinetix lawsuit alleges company makes false, misleading statements about treatments - Top Class Actions](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNbHlMeEF4anp3bkY2VEVvcGp1R0FMOWd3SlJaU2ZjczBEVnVUQmVxVWo0T1hyLS0wdHhfcHk5N1RleTg5U1VaS1JTZDRhQ0JJMGcwU3BUaWlIQnI4b05jSlR3Tk03UUhJXzZlQ292aVpZTExRTm85WS1welE0NVNibzlrSDIxTmF0eWhKZ1R3NFhOVXBQUUtoMUg1SDh6cGdFeGZnbDNuSlprUklaMDdvSUhYZVIxS05DY19DM1pTV2FoZkRUU2s5RDJtZHppOVRrSFdYcG5wRFA4RDlXa2w4R0k5aTRzWDA3WER0R0pR?oc=5) · Top Class Actions
- 2020-09-22 [Sethi family donates $200K for local nonprofits - thebusinessjournal.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOS0Yzel8zVVlTYmtXbkRpakpCT0psMmx1MzM0a2JMcm51cXViUmRZRjZIMURQOTM3WlcxZUlzN2twdjRvTU5xRzRWMTJSRUFpUExSRHlXdG5GUGJ6QnRCUlp0MFBTQndFTHRiem9FSWdrR1htZW1sMFMydnNWOG1iQTlsS0Q?oc=5) · thebusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58212 (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/36.json (key "58212", 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