# SAN DIEGO PRIVATE BANK
LA JOLLA, CA · FDIC certificate 58304 · asset band <$300M · latest filing 2013-03 · 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 | $132.3M | |
| Deposits | $114.9M | |
| Loans and leases | $69.3M | |
| Total equity | $12.8M | |
| Loans / deposits | 59.13% (p36 of band) | 66.54% |
| Liquid assets / assets | 47.21% (p69 of band) | |
| Uninsured deposits / deposits | 44.55% (p98 of band) | 11.77% |
| Brokered deposits | 2.72% | |
| Wholesale funding | 5.83% (p74 of band) | |
| FHLB advances / assets | 3.11% | |
| Tier 1 leverage | 10.45% (p57 of band) | 10.04% |
| Unrealized securities loss / equity | 0.64% (p28 of band) | 2.48% |
| AOCI / equity | -0.04% (p67 of band) | |
| ROA (annualized) | -0.30% (p7 of band) | 0.72% |
| Net interest margin | 3.63% (p55 of band) | 3.55% |
| Efficiency ratio | 135.50% (p98 of band) | |
| Noncurrent loans | 1.38% (p53 of band) | 1.19% |
| Net charge-offs (annualized) | 0.54% (p91 of band) | |
| Reserve coverage of noncurrent | 146.44% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 17.03% (p53 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.4% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 | reserve under noncurrent | losing money |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 3 | losing money, charge-offs p90 |  |
| 2012-03 | 2 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 1 |  | expense ratio p90 |
| 2012-09 | 1 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2012-12 | 2 | capital falling, uninsured deposits leaving | loans-to-lenders >50% equity |
| 2013-03 | 3 | losing money, expense ratio p90, charge-offs p90 | capital falling, uninsured deposits leaving |

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

- 2012-12-03 [California Firms Merge To Create San Diego Private Bank - Wealth Briefing](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQU3FMdjh6VXRSMnVwalRvYW9zUkYtVjF6eXd0cndWdnZvcGw3anNXd2NIdTNmSzhjQnE3MkNodTNydmVzYXl5MTk3dURjNnRGTE5wQWl4NE5WcFdLbXBlRmowMXlZdVZtLXpiRmk0SEI3YkdvWU9DTXlvTnZrZWpNeWNKRURNNWFkRmg2VnNrUGN1OXhHSEpzNkNUODVKa0VXOV8wYl9hR0o?oc=5) · Wealth Briefing
- 2013-04-04 [Two Private Banks In California Complete Merger - Wealth Briefing](https://news.google.com/rss/articles/CBMimwFBVV95cUxOYXBSRld0Nk8zOVZ2V2xwS3ZDbEpFQUhRbTZzUXJ1emw2dHVFM2VqRktvVU1pdW9Qd0NYNTk0OVUwampKXzhrNGRkTmduLUlUOXUyQWxPM1hleERhM2cwci1Da01sdnlhQVFSSjl1SV9TVlBXMHhUSkw3VVRnWE82MGdjczluQUxVS3hYSEpvVTBaamJVLVVJWUhjZw?oc=5) · Wealth Briefing
- 2011-10-07 [Executive Moves For September - North America - Family Wealth Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSWNOemRNeHBhRzB1enJpSGZXM2kyengwTDVpTnlZR1VZOG5Nc1pObzI4U1hiaUk2SGE3ZU9oRXM1ekJmZVlaUEwzeUJUbnJ5WXRoRnpveTdQM29UdndBQjNEc2dleXY2NkIxd0pldEhBekJhQUdVMHZMWFhrWkxPZDdRUXBxaFhpN3lSNFJxWFZLVXZMUzd5OFlUR1hLSzA?oc=5) · Family Wealth Report
- 2013-03-06 [SD Trust Bank sold to Pacific Premier - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdk5NYXVZN0RSSk9TUDUtWVpYcDJvemNMUHdWVS1nRk9EZUtmOV9Ra0M2LTk5RDNLY3h4M1UyYUxKekdibHF2NGVoOGpqajNIMTNKck5RVDQwbmNVcnhVZWJveTRpbnctUVY0V2QxbEhRZXJHTEp0VHRiTXQ5Wk5OWUVmSFUzZC1YUmpJcy1XYw?oc=5) · San Diego Union-Tribune
- 2018-07-14 [40 Under 40 Awards: The Class of 2011 - sandiegometro.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdXZ2ZDZNaW9WSDJUWFREY2xxSXBWaXZiMFYxdUNzclJoUFNkdUU3OWhyMVUtczNvZTR3aktZUzBVSjNwaU5YWi1tdDJRZFByOTRJSzJpdjlCRUJiLWNqV09PV0xxRUs1M2V5bHlrWmJNU3pwX01LNDZick9vSm5kMw?oc=5) · sandiegometro.com
- 2024-05-15 [Global Executive Moves In September - Family Wealth Report](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOE1SbmJjLTZCcGRTWURHb0NvTXVnZ18waFpvZFpxOGx4LU1hZ1VrZHB1SlBzY0x5eHduVktYM1lrRWljVlRLc1h6bFdFalJZZUlaeVZubUxBZ0FNTFhySVJpaC1LN2ladVlEdlBneC1FSHFXMTRSOWYtM1ZWQ2ZUUXUtcjNmOXUtRXFB?oc=5) · Family Wealth Report
- 2015-03-11 [Summary Of Executive Moves In Global Wealth Management For February 2015 - Family Wealth Report](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPaE9jSkZZaGQ4Rm5pR0pXQ1c4Q0RrNVhQS2p6Y1ZGR0lmWWQ3dnFRTzJfMGdVM2drN3VyVHNkb0FIejhLVTlsbVZxbkNmYktycGZSTjhmc1lUR3J5aXAycW9DLXcwV25IdHVoUWE1TXNFSHVaZkF1aWJyaFAtOEZrY1d4cGVFTkpqa280N3FreEdZNFNjZnhpRGZrbzliWThYcVIydmFnTjZQM2xKUU54XzhEQmN0SUpKMllN?oc=5) · Family Wealth Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58304 (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/0.json (key "58304", 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