# NEW RESOURCE BANK
SAN FRANCISCO, CA · FDIC certificate 58329 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $364.4M | |
| Deposits | $320.4M | |
| Loans and leases | $304.3M | |
| Total equity | $40.8M | |
| Loans / deposits | 93.43% (p72 of band) | 84.92% |
| Liquid assets / assets | 13.63% (p17 of band) | |
| Uninsured deposits / deposits | 39.88% (p90 of band) | 21.35% |
| Brokered deposits | 10.71% | |
| Wholesale funding | 10.71% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.94% (p63 of band) | 10.35% |
| Unrealized securities loss / equity | -1.39% (p65 of band) | -2.32% |
| AOCI / equity | -0.72% (p65 of band) | |
| ROA (annualized) | 0.34% (p6 of band) | 1.05% |
| Net interest margin | 4.55% (p92 of band) | 3.67% |
| Efficiency ratio | 78.12% (p83 of band) | |
| Noncurrent loans | 0.02% (p8 of band) | 0.55% |
| Net charge-offs (annualized) | -0.10% (p4 of band) | |
| Reserve coverage of noncurrent | 7615.62% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 35.53% (p44 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 | 3.6% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 1 |  | expense ratio p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 3 | expense ratio p90 |  |
| 2012-06 | 1 |  | losing money, expense ratio p90 |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | brokered >10% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | brokered >10% |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | charge-offs p90 |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | brokered >10%, capital falling, expense ratio p90 |  |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 1 |  | brokered >10% |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | brokered >10% |  |

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

- 2024-11-08 [Department of Financial Institutions Announces New State Bank – New Resource Bank will open for business on Sept. 19 in San Francisco - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNenZoMnFHNThMYldiRjM2RU9tZmFwdzQtemVtT2dkem5CNjgxV2JkeURVa1lRSF80eTBfS1dXRzN0b2I4ZXZTV2ZBbnJxR0FsczBiZ3BveWVvUHE3Z2ZZMWZXeUthNG1sZTdCcnlKdVp5SUlkZXlidFhDajdmeUkwcjBPY2prYUNjQ3MwTGcwRTJUTlVkZ3dKNEpVZkxwSDBwUVcteXZubXozbzc2SUVMQ0dHYTRha2p5ZjM1bE9NQ09yd2VPTVlDcDlMNDJnWE9MNTVEbml3WDNnVno4Q1dCa1VsbmFkYnVTc1JGaU9mQW9IMkRsX25iUw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2017-12-19 [Calif. deal marks new phase for union-owned bank's expansion - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxNXzNHY0lKSmZ6Q3VyWF9KeDB3bzJUcDNyTlE5c0tkQlVBNFg5SVg2bVJiR3gtd2RGc1dDa0xDOEQ4cGRQSnFsLS1uNlk3YmFKV1FXaXlsbm5jeE93LXlRZlA2d3ktbUxUcjZTMmtlVGsyQnYtQTNTNFVBQmx5UWF2ZGdGRDFBWTZ3T1NySWlDWlFVOVpOVUFxdEl3?oc=5) · American Banker
- 2017-01-23 [Yohannes, Daniel W. - 2009-2017.state.gov](https://news.google.com/rss/articles/CBMiYEFVX3lxTE96aTVoTzBZZWxiVy1oLW5GYzRUTmtSRG5EQ2o5ODBheU5uRUFjZG9BbjdMNVZZRDJFbk04eTNFeWcyZVhxWE42a3d1ZllHV3B0WTRwaTJMNTNrVWFYNVRfaQ?oc=5) · 2009-2017.state.gov
- 2016-01-02 [Daniel W. Yohannes (1952– ) - BlackPast.org](https://news.google.com/rss/articles/CBMiekFVX3lxTE43ZlMwYW4xNXY4T18xUE8yekp5YUpTVVhiZGd0QVhxdG5pZEl6SDhBMWRIM0xrTUJfYjZ5V05pV2F5MnZxTlFRNUZfei1iWmFDdEZ6TWhqYU9jSjZNREJ2TDhUYkk0NHBhM21VMVA1cWx3M0h4Z3hrNXpB?oc=5) · BlackPast.org
- 2011-04-18 [Circle Bank Names Juanna Collin as Senior VP/Operations - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQWh1VC1GaGlvUEluLTJvemNRZTlVZm5pUGMtMVVucExPOFh0NkJfd2pVZFYtdXlJWFRGc3duLXdwejVldlVXOU1hRVF6ZHdHYVk3Q1lRV3dHQk5PRFZ3ZjRkclhjc3l4M2ZBeVc0TTFMR3lQeUtzSFhrUW5GYW9MTThWRUJ3OURLUzR1MG9tWlRIZExpblYxRFJn?oc=5) · Patch
- 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
- 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
- 2016-06-30 [Meet Ambassador Daniel Yohannes: The Ethiopian American U.S. Rep to OECD - Tadias Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxObGYwNk9Zb0ZZOU8xZzNRbnl6aEVxa0VXVEQ4UzVVTXNSVlhwR1lobjlkeWRQYTNNMnV2N2hlSko3c1NKQ3pWRHNNbS04RFdpSWJtczA2MEc1U1lsNjdDVEpOMGsyeXlaS0p5UGhLdWU0akFjNjJ3aE0wSEpWeEF5T0tnUW1OQnExVGJpaWlOTmVjd2tCS0h0emh2ZC1weHJjbUFoYVVR?oc=5) · Tadias Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58329 (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/25.json (key "58329", 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