# SUTTER COMMUNITY BANK
YUBA CITY, CA · FDIC certificate 58221 · asset band <$300M · latest filing 2015-09 · 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 | $68.3M | |
| Deposits | $58.9M | |
| Loans and leases | $48.6M | |
| Total equity | $9.3M | |
| Loans / deposits | 80.11% (p62 of band) | 73.61% |
| Liquid assets / assets | 22.57% (p29 of band) | |
| Uninsured deposits / deposits | 11.70% (p41 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p77 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.86% |
| AOCI / equity | 0.00% (p39 of band) | |
| ROA (annualized) | 0.07% (p8 of band) | 0.84% |
| Net interest margin | 4.28% (p82 of band) | 3.64% |
| Efficiency ratio | 98.52% (p93 of band) | |
| Noncurrent loans | 8.89% (p99 of band) | 0.69% |
| Net charge-offs (annualized) | -0.07% (p6 of band) | |
| Reserve coverage of noncurrent | 34.32% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 9.32% (p40 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 | 3.9% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | liquid assets <10% |  |
| 2012-03 | 0 |  | liquid assets <10% |
| 2012-06 | 6 | loans exceed deposits, liquid assets <10%, capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 3 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2012-12 | 2 |  | charge-offs p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 4 |  | assets shrinking |
| 2014-03 | 4 | capital falling, expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 |  | capital falling, expense ratio p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 5 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 4 | capital falling |  |

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

- 2017-11-08 [Suncrest to expand in central California with latest bank deal - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWk9DejR4S2RRUTdxMVNybFUtMEZXUmtLOF9GMlBpQUFHQ0RQUl9CQXFNdlVZUHc1SU5PN0wxb25SRVhPNG5YZjFQcUdlcWJwRWpPNzNuTGQtNlVySFRRMEF3RjF0b2xZZlNGbTRKaEQ1Z0o3SWpMZmJjNkw2V3FyQ19XSEdKcHlTTUVkY0ZlQmh2UmdfMnhadFhJa1JqLWc?oc=5) · American Banker
- 2017-11-08 [Visalia’s Suncrest Bank, Sacramento bank to merge in $62.5M deal - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPcTVoY3RrWW8zNjNCbV9MWU1ZTC11VVl5bUg0R2xsUEJfb0dHTnFhU2M0b05SdG53cEdJMlRMY1Y1TkZoaFMyUEpxWWVTUG9RdXVPNWZMZ1lINDBldkhsWlVtUndVOXNmZnZVMnhJSi1idld5bVlzUWpWZFY5VmV5R243dGdTWHluT3EtY3Z6OFQ?oc=5) · thebusinessjournal.com
- 2026-07-13 [Keanu Chavez - appeal-democrat.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQnBRcXJDLW1wUzYzbWRtTGNvQm1heEVIaFhlZ25Xb0ExcGNHRXNCVEszNlJfNFppdXBhM0V2VEdSTHZZR1otWUlId2NNdGxNYmY4ZjJuYnJlOXhVLXhJdDBQWGFnWXVuYjBkRFpfOWk1QXpOc2FMQmhUSjhBOXhiX1pUdmN5MVhrMlg1SDg5WTdXWW9ETnkyRUdn?oc=5) · appeal-democrat.com
- 2021-10-15 [Jason Tallon Obituary (2014) - Marysville, CA - Appeal Democrat - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdldzY3dVNHR5Wm0xQTFuREk5VDJlaDh3YkZORVVRZFc1SWdHd1F0WVpqZU1FbW9wc3htS1lnOGNNT2swWDc1el9wQ21fdk5SYnhVYXV6eGJTTXJGSVoxMjZrNU9hYmRZWFlzTWlqNmJyd0JWY1NYQVNwNXlZT0h5aHM0OGRWbHJkZ191OFpLd2Qwenht?oc=5) · legacy.com
- 2020-05-06 [Let it stroll, let it stroll, let it stroll in Yuba City - appeal-democrat.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPeTNXemFhTk9TYkh0YThXcDFBYmRfYXZBRGdONHdTOEZ2Q0FFRVFlYzJaV0hia2pzNm9rd0VyX2otb2xxN2NlTHZ3OHZwOG9TdjNZeGYxTGJQMmZSak1nSFBXYnFuYm1Sd1lELTZEQlRjZ3FpTFYwY25WS1BNVnBVSlhBWWV4RzN4U2JoVTY1TnFqNUp1anpmUmE1NzkxN243aUY2Q0MwTFZBU3M2SjNhWFdISHFFV2ZzdXhNcVF3ZnFtTmFFS2Y1aUpVc3lLazZyWUE?oc=5) · appeal-democrat.com
- 2018-10-07 [Christmas stroll: Santa Claus on tractor in Yuba City - appeal-democrat.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPZmJtQnltRzVqVlREUlVFUmpMS0o3TXc2MGJRLTB0cGJIaWk3MlRLNnJnaHROSkI4Mnpuem1pZTlrMFVmMWV1Ri0xTjByVzJXSnhiYUZSRFJtY2xYX3Rmc1JsY2FoTzdWRlJQV0huUHQ2UGFHbkhVdkdYcG9ldW9zeW9xV1JDR1VldjRZMXN1cmV6dm1VZjJXR0h6OGhGei10ODBVcVd0MDF3d1AwRmlGSFFpekFlb0ZwWndJQUFWUDM5SFMxM3BILW12cVpZNlE?oc=5) · appeal-democrat.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58221 (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/45.json (key "58221", 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