# PREMIER BUSINESS BANK
LOS ANGELES, CA · FDIC certificate 58261 · 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 | $639.4M | |
| Deposits | $473.9M | |
| Loans and leases | $556.0M | |
| Total equity | $53.1M | |
| Loans / deposits | 116.68% (p98 of band) | 84.92% |
| Liquid assets / assets | 10.90% (p9 of band) | |
| Uninsured deposits / deposits | 26.87% (p68 of band) | 21.35% |
| Brokered deposits | 8.64% | |
| Wholesale funding | 25.85% (p95 of band) | |
| FHLB advances / assets | 17.20% | |
| Tier 1 leverage | 8.59% (p9 of band) | 10.35% |
| Unrealized securities loss / equity | -0.30% (p83 of band) | -2.32% |
| AOCI / equity | -0.14% (p86 of band) | |
| ROA (annualized) | 1.34% (p72 of band) | 1.05% |
| Net interest margin | 3.90% (p66 of band) | 3.67% |
| Efficiency ratio | 52.65% (p13 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 95% | |
| Construction % of loans | 85.12% (p83 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 | 13.1% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | loans exceed deposits |  |
| 2012-03 | 1 | capital falling | loans exceed deposits |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | expense ratio p90 |  |
| 2013-06 | 1 | loans exceed deposits | expense ratio p90 |
| 2013-09 | 1 | capital falling | loans exceed deposits |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 1 |  | reserve under noncurrent |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 1 |  | wholesale funding >15%, capital falling |
| 2017-03 | 2 | wholesale funding >15% |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |

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

- 2023-07-31 [River City Bank Celebrating 50 Years - Comstock's magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTE85WGw2Y3I3eXI5Z2dXZndYM3doZ21pc0p2Ykd3WEpHSWEwaWRubEdBN0VyYUVNRTVSeElXWTlELWwwOWVXdU5DVmJ4aVYyTFlRMHpselVrbGdNRFBmVnozUEpORHRlR0lTUFEyU2pQa29YaWpLc3lLX1NmUldicU0?oc=5) · Comstock's magazine
- 2024-07-08 [How Five Star Bank aims to fill gap left by San Francisco failures - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxQZllLa1B1cnY5UWkySGhzUUN4Vjg0Yk53cm9GRk1qVUNDTlJwTmdBY2NsU0RGYkxGZ1lKemJ0NXk5Z2o0ZDY4dnlQUXBwS1FqSy1BNHdrWTZDby1WR19HbDk3UnpUbVhZYUlZV3pBSkJwLThOSG9hNldaVVpYT085WkJqcWVHTzhMUFdUck5UQ18yUW5feHI1S0JVZDN1cHpmRXl0Qg?oc=5) · American Banker
- 2015-06-23 [First Mountain, Premier Business banks to merge - Victorville Daily Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxPUWRPckJydEh2b2h6cjI2eW10TEs2NndWZVdzekFRY2dUMldWNzVOOUZwdmI1UnhyRUZibGFmYUZ1S19VX3JuNjVnWXc5dWVTRlJnNWFKNEZobDFJNTJHRUVRTF9FYUwwRm1OM05xR2xuX0hteVE3c2U2bmVZRDV4azNBZllMVHJ6TEtxNkw3SGtBbEhOem5fZTJNYW5HczJJWFZpd2k3TEdDWWp5YUJSYWxqZw?oc=5) · Victorville Daily Press
- 2022-02-28 [DMG Bancshares Inc. to Acquire Liberty Bancorp - Business Wire](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZ3o1eGNLa1ZsU2Y1aDRsY0VsSGZqbFpiWjhGQ2Q5MzByczdPMTl4MkdxUjJNTGFjUDVwcnFGU1dSNWFYemlnekx1Tks3aVM4SW5BczZlQ1NvQWV5YXVDd1ZtQ2J6T29rSzFwR2NRMzJyZzJMWF9BWG1aTEhud0pOVVJ6cnpNMEhUQXdYLXVqWXplemQtZk5aS3NKU3JyRDIwd2l0YnJB?oc=5) · Business Wire
- 2024-09-03 [A new bank is moving into S.F.’s downtown. It aims to fill the void left by failed lenders - San Francisco Chronicle](https://news.google.com/rss/articles/CBMihwFBVV95cUxQbGlJWHJxaXVZeWZHS3ZHWWxvYnlCZjZvaUxuVjBEem5oX1JFYWpUMFlnd3FWZmlYTUNJWDdRcFprZ3RIMnc2MlZoaWRjbDk1a3FOTWZjbXR5UmtKVlczQ1RMVDRGb3RaRHRmeDhfUDFlRnRjaHpZbjhUeXdUZmMxalpzbld0ajg?oc=5) · San Francisco Chronicle
- 2024-06-13 [Sabrina Kay - Hagerty](https://news.google.com/rss/articles/CBMiZkFVX3lxTE8tTVFVamsyZnB0bmZLaGo5ZDg3eG1JRmVONklWaHNVYTdtb0M3UWViZFlHTVFTYjJwVkhwMlhwUVBVQWMwdnI2Q1lVbG5MakFPRHJIMWxxR1F2c21NTmxzRC1wenhJZw?oc=5) · Hagerty
- 2023-05-25 [River City Bank Adds Former Umpqua Regional Director Rebecca Fabisch Miller as EVP, Commercial Banking Director - newswire.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUFFseXdyS1NEWGF2cG9HUlB2NkxFekh1eDFmZ2lTXzNWTTNmcnJsRjhhZDRQMUpfckZYUl9INlctcnhpSlZVVVRMMmJDOGNlYU9zMHI4dVJnQzYwaS1GZUZ2VjVNWTFmNmZRNFkxMmFUNExpVklRWmxHZ194SHV1N0J2aU8xQU54YzFzc3R4Z1ctSGVpb01Ta04zLXd6aEdwV1FyV29HQV93SWM?oc=5) · newswire.com
- 2021-05-13 [River City Bank Announces Expanded Lending Footprint With Promotion of Dan Franklin to Director of Commercial Real Estate - Business Wire](https://news.google.com/rss/articles/CBMiigJBVV95cUxOZ1I1Wnlkc3JNUktXbzk3a1ZSSkFlblJiNUtqeXhWUllUd28wZGVjNmpXSWFDSnZPRzdheWpGbjlXY1RFY2MwRnBsczFkRTJwck13Z3Y0bDh5WUVZWnp6eF9mNklBeUtFZ2t6aC10R3dscW16WTlOOVFRTVF6eGU0Mno3eDdjUmRUN0RHMkFfaHFZcGFaWGgyMldzbDA4SUxPR0FIX0VNanhoYmlIal8yT2dlbDhzU3RtdDh6MHJxUEdvLTkxRDJIbUZ0YjI0ZkN3R3g2Vjk4ZG85WklkTkR0RVBlYnZFTUVPekpxTTFycW9STDdFd1Facl9iaTZYYlhFc1dMWS1YMk8wQQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58261 (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/21.json (key "58261", 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