# BANK OF CHINA
LOS ANGELES, CA · FDIC certificate 58339 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $3.46B | |
| Deposits | $2.11B | |
| Loans and leases | $3.40B | |
| Total equity | $0 | |
| Loans / deposits | 161.31% (p100 of band) | 87.10% |
| Liquid assets / assets | 1.36% (p0 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.04% (p15 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.50% |
| Unrealized securities loss / equity | – | -7.75% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p2 of band) | 1.26% |
| Net interest margin | 0.00% (p1 of band) | 3.70% |
| Efficiency ratio | 0.00% (p1 of band) | |
| Noncurrent loans | 10.72% (p100 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 26% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -72.2% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, liquid assets <10%, leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 5 |  | loans exceed deposits |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 7 | deposits shrinking, assets shrinking |  |
| 2015-06 | 8 | loans exceed deposits |  |
| 2015-09 | 7 |  | loans exceed deposits |
| 2015-12 | 7 |  |  |
| 2016-03 | 5 |  | deposits shrinking, assets shrinking |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 7 | deposits shrinking, assets shrinking |  |
| 2018-03 | 7 |  |  |
| 2018-06 | 7 |  |  |
| 2018-09 | 7 |  |  |
| 2018-12 | 5 |  | deposits shrinking, assets shrinking |
| 2019-03 | 7 | deposits shrinking, assets shrinking |  |
| 2019-06 | 5 |  | deposits shrinking, assets shrinking |
| 2019-09 | 5 |  |  |
| 2019-12 | 7 | deposits shrinking, assets shrinking |  |
| 2020-03 | 5 |  | deposits shrinking, assets shrinking |
| 2020-06 | 7 | deposits shrinking, assets shrinking |  |
| 2020-09 | 8 | noncurrent p90 |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 9 | loans exceed deposits |  |
| 2021-06 | 8 |  | loans exceed deposits |
| 2021-09 | 8 |  |  |
| 2021-12 | 6 |  | deposits shrinking, assets shrinking |
| 2022-03 | 6 |  |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 8 | deposits shrinking, assets shrinking |  |
| 2023-03 | 6 |  | deposits shrinking, assets shrinking |
| 2023-06 | 9 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2023-09 | 8 |  | loans exceed deposits |
| 2023-12 | 6 |  | deposits shrinking, assets shrinking |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 8 | deposits shrinking, assets shrinking |  |
| 2025-12 | 8 |  |  |
| 2026-03 | 9 | loans exceed deposits |  |
| 2026-06 | 9 |  |  |

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

- 2026-08-28 [Week Ahead for FX, Bonds: U.S. Jobs Data in Focus; Bank of Canada Decision Due - WSJ](https://news.google.com/rss/articles/CBMixgFBVV95cUxPaWxpSnFEYUFYdlFHN0tuZ2RxbGlWSzVJdHZXWEgxYUREY2tfaVhlMW8xQzdqbk5YY3pFbGJCYkhyU2N2UFB3V3VRYVc5MmdVbjZuMmh2dEt4eU5HbDMzQm5PNEhNYzlpT0QzOTBSUmR1UTBqdUlKdk9KTnU0UktMNUhpMlNrLWJmdGpfUFVVSkhOMl94QVlMOGxBWF9CaElKdV85S3BhcWQ3dElGSXFkSkNfaWYtd2hMM190Ym02bHdqSmp4WFE?oc=5) · WSJ
- 2026-04-27 [Bank of China (Canada) and Canada China Chamber of Commerce Kick Off National Roadshows to Accelerate Canadian Business Participation in China International Import Expo (CIIE) 2026 - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxOYVdfZFpkNnJWRmhXRHpFZGVzV0h6QmpmYzV6LXBSbVZaMGpCa1FOTkc1TFJHeHMzVnJGcjFKa083MGVKckU4RWtaRGJsWDhyVFdrc2pTb3cyUDFWMy1EQkVqWW1kRWcxV29mc05tcExVRUcySkc2X3U1bi1obTdrVG9wY3RUMFNJSWFrRGxkY29pbGdkQ3d0bmQ0UQ?oc=5) · Yahoo Finance
- 2026-05-15 [Stephenson Harwood advises the Bank of China pension fund as their trustees secure all members’ pension entitlements with Canada Life - Stephenson Harwood](https://news.google.com/rss/articles/CBMiggJBVV95cUxPUzRKR2cyWkl6T0w1aHRaUWZGaF9MLTN3bmQ0YXhZeU4tQzlHNnJISDVuUUhiRmVBZHlKTUVPM3FvM21uNkJwVDFsWXAtX09mbUMxVW5yd3U4OFhvNVZNMnVVV3ZEbmgtS3htVnZfZkUtMVlob19ndXE3bWxJek9FZHZ3NkZLTlVwY0pWTDl2enV4ZmZvU3ZHVDlBZHhWUURxYW5ZTjY0WkhBTDQ1ZzM2cjcyWndGVWtjWmJFVHRoUFpKZU1jOUFLY1IwZ1hZeXNiZE45RFdqQ00ybUQ2SklxUmhoSkhfdy1aTzkxVFhwcExuamwtd3NmMm03S1RINVZyWHc?oc=5) · Stephenson Harwood
- 2026-06-05 [China Tajikistan Financial Cooperation Talks Focus on Banking Links - The Times Of Central Asia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9WMy1fM2wxMEVLVUxVT2VoX0hqelNEcFhxR3JRMFJMcDkyNXRqZlc4eDh4Y0w2ekgxSnJlZ3BLQTctSEVvdXF4Z1hpRURKYmsySFBHN09nR0Z6M3dWSk1rWE9OaFpuUDVuczk1V1NYY1lPQWt4azc3VXM2RWdTdw?oc=5) · The Times Of Central Asia
- 2026-09-02 [Best GIC Rates In Canada For August 2026 - Forbes](https://news.google.com/rss/articles/CBMickFVX3lxTE1RMGNzc3hPY3VjWXJGd1NqLWV1N2NPZlNfSU1kZHhxV09aNnM4ejB4QlBuZUNnNk5ZNWlGOWF6bkdSa0JDUUc5SnMxd3VKQjRlSlF5WGZtTUtqaGNTWDgySVA0SXA4UmFFOGhxam8wQ2ZNdw?oc=5) · Forbes
- 2026-08-18 [Export Development Canada debuts first $3 bln Wonton Bond with BOC Hong Kong - thestandard.com.hk](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNY3JUTTVTMHpQWFlhamUwQVpSM0JDQlVPX2ZPR0tfdW9HNDh5QUZyMjBPSU9IOGM4RnVmaVF0MTBmZUtTQlNVeEJvVzF6SXc0YnZtZVpiTU9HcERSVTQ5dlMyMi1xaDJJdXEyMEVYYTg3ZXB0Rlg3TXRTXzFiN0psdVFxWVdFTWpjaVFCMDBnV05SMHFPM0JUUlJGWmh0Q25xUVkwNHV0Y3oyeGUwWDZuRzFzdC1RcVdSN2lueTRkM2RSS0c3SktrLQ?oc=5) · thestandard.com.hk
- 2026-04-04 [China, Canada hold first financial working group meeting, set next talks for H2: PBC - Global Times](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5QcENzRW9OelNSaFB5TE85MkVxaDd3LXJfVWpUVVBaRHo0dnlFYlNEcXVDTkY5eXpKcWxFeWFWeTBfbFdUWmh5WGJzT21xeUhzRlAxLWJad21SeFVYOXVTeXZB?oc=5) · Global Times
- 2026-04-06 [Canada pitches bank expansion in China, seeking to grow exports - Canadian Mortgage Trends](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVzc1ZndQUk1mWUR1NjBmZlQ3a0dRUkhCSFAtQTRSVXZxcEZiamZnMnFRdm1CdU5VdmRGRktYZFBrUjZrZDh4djBBb3BRNXVkZ05zaGVVT2MySlg3amhiXzlyYWI0NTllM0o1NTlaTWJiTnQtWEFKQkhLR0xkeFJlbzV5Zi1KVHdER1pRenM1T1Vpb2NickpHTHQ4THM0QThpWGhBa3ZTV0VoQjlqeG8w?oc=5) · Canadian Mortgage Trends

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58339 (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/35.json (key "58339", 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