# PRESIDIO BANK
SAN FRANCISCO, CA · FDIC certificate 58325 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $877.4M | |
| Deposits | $754.5M | |
| Loans and leases | $700.4M | |
| Total equity | $99.4M | |
| Loans / deposits | 91.84% (p67 of band) | 85.55% |
| Liquid assets / assets | 16.49% (p27 of band) | |
| Uninsured deposits / deposits | 63.44% (p99 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.07% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.35% (p64 of band) | 10.66% |
| Unrealized securities loss / equity | 0.59% (p39 of band) | 0.93% |
| AOCI / equity | 0.42% (p18 of band) | |
| ROA (annualized) | 1.32% (p65 of band) | 1.13% |
| Net interest margin | 4.64% (p91 of band) | 3.75% |
| Efficiency ratio | 58.42% (p28 of band) | |
| Noncurrent loans | 0.53% (p50 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 199.23% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 49.53% (p61 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 | 2.7% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | loans exceed deposits |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | uninsured deposits >50% |  |
| 2013-09 | 1 | capital falling | uninsured deposits >50% |
| 2013-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | run vulnerability |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, run vulnerability |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | run vulnerability |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 | run vulnerability | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 1 |  | run vulnerability, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | run vulnerability |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |

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

- 2017-05-26 [Ed Murphy of Presidio Bank, Finalist - Public Company - Small to Medium - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOOWxndHd0Vk9fa2h1U1RFQXo4Y0VEcFNSQ083M2NlVWl1T183dDNCY0hOUzNyVlJ5Vmt5UFdycHd4eHRhQWlLMjlaRDAzT05sUzNOMXRLRWgwelJ5OWNHVkpxSDN4WVZXcllpZzlQbVVBUThZbWRlcWlScXZrRzFlRTM0Mk5OQmhzeHREeVR5cF9KWFFGWVZwN2VUejAtZ3pDMnpRZVNzUUxlN0VwWTFzN29nVFBObXBKVmlDaWZUbkhPWUU?oc=5) · The Business Journals
- 2012-01-30 [Leaders in commercial banking - The Press Democrat](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUmZrbW8tSzhrRHhhcUxxUDkzYUVRUmpwN29tXzdGZGFmWVozb1ZCUVVRVGVrMmFKSThuVUh3NEhpRjdYUkRvTFNrV3FYR21GcEV5MkFJWlJFQjVjdkhickpUTWJ3VmFSUW0wblVWbkVLX1p1YUwtY1ZVOWR2LU1DVk5NZnZVdmRmcjAxdWxCZTFYRFpHMUI0?oc=5) · The Press Democrat
- 2021-12-14 [Clay Jones Promoted to President and COO of Heritage Bank of Commerce - citybiz](https://news.google.com/rss/articles/CBMirAFBVV95cUxQclRPNHVHUXBZUnhqN0RPSmFOSnplUG5sc3g4R19uVGtrajlmMzNEWkg4bmlxSkVIeG1DM1hnRndnOGZRYzgxVnVWT1MybEtoYkxETlFfMGVRdXVrRm82TFpGTkJ6T2RlMWVTSTN4QVh5ZlNTT1hWejI4ODNXZXhHMnBxRl9MSVdYNzdHVXgxblBocUxFVUxjWmhsMzZ1QVlPM2l2LUFUOUM2LWxh?oc=5) · citybiz
- 2018-11-08 [Why Presidio Bank CEO Steve Heitel loves community banking - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPVTB0RWF2OG5LSTkzaU1paGlEWkFNWkhuV1c4YVJYZXZqMzV1SnB4am4xeVl6aGFxRjBjalFNQV9JOGFMZnM4NzNrMDNwS0x0X290T1ItR0tPRDJnMHkxbmwxcmhNZC1GeHYxSFdnZGozVnJfVkNfTmRKbU5YWEU2R0VZSGIxSjlndkNfRHNkaUMtLUJMNWltdDRTam9wU1NvT1oxd0dmWG5sbEl2Mmc0?oc=5) · The Business Journals
- 2006-05-11 [Ex-NBR chief Fleming among area bankers in $35 million venture $14 million in two weeks - The Press Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxPMDE4bjlUaS1QS0x0d1JURTFDYkhzOUJ0dGtYamMtVlJ2MnBrWERVVHY4S25uU0g2cnJBYmh1bFI2enhHdDR6WWdhVHFoZllFVWNvTmJWV1dOOVBGNWRfRFU4WF9DMjV3QlM4ekJVVjJwc1JVOTlnQk5MQW8xSmh4RFoyREttLWpTeWRLOEZBNFVsSnBGaGdJTUVveHRXLXFRWWNmWlAyVndQWHVtTHFsRHdjQ09pZi1RQ3VTZEFTNU1ZNmtGaXc?oc=5) · The Press Democrat
- 2025-12-24 [Mergers are bringing new banks to the Bay Area, and more could be in the works - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZmdnYlZZTFdUMEFfQjh2cE00cTBtWHFMZDZuLWQ0ZmRVUVg1T0pmb2d3RTFsSTNWN1lfbDNXcl91NERBSmNpMDFNTTEtd21hMk5lWjVSR091TGpLU25PZlhLWG9VVmR3Y2kwNVBYclBjUGc0QUlmSVUzdmVvekw1S0RWZlpEaFBmQS1OUzNGSjI3VnEzWk9vd29mZktvSDN4b25MZnE1TzY0NlJqS3NyQ2Fn?oc=5) · The Business Journals
- 2025-08-21 [Heritage Bank CEO Clay Jones on competing with industry giants - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPOGl4aVpsSjByQmF2S2RwTTAyUGdTelZKUktOYzVFUHhiMEpRNWZsUkRGZG8wdXQxc0ZiUzFESDhpN2ZIbFJxdkhuTEIybTk2ZWNYZGhEUlNDNk5XQXp3N2NHS1pZRjJOX19oUUxMdDdSdlM2b1hyZ2ZLLWNHalktVEE2WWN4S0RSWlVjN0NfRDBWUkZrdWxRUUVCU1F1enFvYU1nc1Y0TFl3U00?oc=5) · The Business Journals
- 2019-05-17 [San Jose's Heritage Bank snaps up San Francisco rival in $200M deal - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSThsa21na0szNm0wYXJYRTBIdnBpcFFnbTBsM0R2VkJBNFRKRzFhb0F0ODdqR0FpcHlua0k4dElmeE1HSVo2QUdlZU9zWXNHX2x3ZGRaT0tzYWU3TnNmRXZmTGpCUzNGcUVmREtJNU9BR1M3UmRNeGN6WUp2ekpaZGs0ZVg2Q2pHeERSdVJhLTVpbUFnSERaNTM3Sng?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58325 (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 "58325", 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