# STELLAR BUSINESS BANK
COVINA, CA · FDIC certificate 58286 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $86.7M | |
| Deposits | $69.3M | |
| Loans and leases | $56.7M | |
| Total equity | $17.0M | |
| Loans / deposits | 80.26% (p71 of band) | 70.28% |
| Liquid assets / assets | 32.93% (p48 of band) | |
| Uninsured deposits / deposits | 26.30% (p95 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.41% (p95 of band) | 9.92% |
| Unrealized securities loss / equity | -0.85% (p5 of band) | 3.23% |
| AOCI / equity | -0.96% (p4 of band) | |
| ROA (annualized) | -0.51% (p11 of band) | 0.69% |
| Net interest margin | 4.39% (p79 of band) | 3.86% |
| Efficiency ratio | 103.41% (p91 of band) | |
| Noncurrent loans | 1.87% (p58 of band) | 1.38% |
| Net charge-offs (annualized) | 0.13% (p47 of band) | |
| Reserve coverage of noncurrent | 100.85% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.00% (p7 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 | – | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | expense ratio p90 |  |
| 2011-12 | 3 | capital falling | reserve under noncurrent |

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

- 2014-02-03 [TEMECULA: Mission Oaks National Bank to merge with AltaPacific - pressenterprise.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMVlIODJ2VXBKb1RxS2ZHVy1oNFltNmJLR0VscUdibXVqWEF1NXdFdW9fSTQwVWdPTURsQ3M2VTBEQjF4Skt5ZTZFZkJOTVZRSEkyUlVEZU8xOUo3OFdib3lVZV82UE9NV1RuQlZ4SGJjNzJWZVhrcGR5eUR1M0I0anhaVGE4YjhyWnZOdHB6SGQ0c3JoYUlrdVZ3R3ExeG0zaWtxR2tHWko?oc=5) · pressenterprise.com
- 2024-05-27 [EDWIN STEPHEN MILES - Orange County Register](https://news.google.com/rss/articles/CBMibkFVX3lxTE4wY3h1ekFQclZoVk0zdlpkemhVMS1Pb2tneHZIdnRxbjZBQmY5ZFlhV1dhMklFSWZfTXYyZmowLVVvSmJ2RC1FNHhnN29HUUJhRzl0cVdYVDNjaHY5SkdONC1vdjdFdFNwWEh0M0lB?oc=5) · Orange County Register
- 2009-09-19 [Edwin Miles Obituary (2009) - Beatrice, NE - Beatrice Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPT2QtbmNhLU1ZVjkxQ2hzaDRiRTV6REtFbmlqTW1EQm85c0Y2VHJ4WXdjS0FfWXlmUlJ2OE1pSnk5Y0tZaGd0cVFIeHRyOEV4eGoxNEhTOWxWM1ItNEhTemF0cnRrYXhLakxibEIxMUlYX1VxTko4Y2s5UWIzRkJrME40S3l4RmZyZHU3YjZMcUtUakVzbm0tdg?oc=5) · legacy.com
- 2009-08-28 [Edwin Miles Obituary (2009) - Azusa, CA - San Gabriel Valley Tribune - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObzU4SDA3RTc0SkM1N2lZcXJYRGQzTV9BcG1lOUd6cENSc2dZU3dmSXZrUVItNndQcmI2X2dxZFh4Q1BCZDhYQTNoOERyeUlfTHQwckxSLUgyTloxYnhPVDROOFpaSHBMWUplZ3dtTzNzbUdqR0hCN0N6czBkbDhFVU8zdWdMbDZnVDh5Zk1R?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58286 (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/46.json (key "58286", 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