# AMERICAS UNITED BANK
GLENDALE, CA · FDIC certificate 58360 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $230.9M | |
| Deposits | $199.7M | |
| Loans and leases | $197.4M | |
| Total equity | $30.1M | |
| Loans / deposits | 97.76% (p87 of band) | 76.78% |
| Liquid assets / assets | 13.85% (p13 of band) | |
| Uninsured deposits / deposits | 31.59% (p92 of band) | 15.22% |
| Brokered deposits | 5.70% | |
| Wholesale funding | 5.70% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.73% (p69 of band) | 11.19% |
| Unrealized securities loss / equity | -0.65% (p73 of band) | -2.38% |
| AOCI / equity | -0.30% (p73 of band) | |
| ROA (annualized) | 0.76% (p33 of band) | 1.00% |
| Net interest margin | 3.50% (p34 of band) | 3.78% |
| Efficiency ratio | 72.69% (p58 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 3.95% (p26 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 | -4.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, losing money |  |
| 2011-06 | 1 |  | loans exceed deposits |
| 2011-09 | 2 | charge-offs p90 |  |
| 2011-12 | 0 |  | losing money, charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | brokered >10% |  |
| 2013-09 | 2 | wholesale funding >15% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | brokered >10%, wholesale funding >15% |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-03 | 1 |  | liquid assets <10% |
| 2018-06 | 0 |  | loans exceed deposits |

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

- 2018-08-06 [Bank of Southern California Acquires Americas United Bank - ABF Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxQd3BIR1JralVZa0VDYzNLM1Fsa1NYdm9ZeE5LZS02VDJEV2RHZ09FTHlVRG1IbUZ0c0JXeG9iMGFKUVJ3aDZ1NmhwaUQ3aVhNWmYyeWJUR2lLODZEODFNeXppZFlHbmVmS0NoSng5dHcwbGlIUTUwZ254S2lVdkxUSmFpVkZ1aUo3SkhWcHJ3?oc=5) · ABF Journal
- 2011-07-25 [First California Names Chief Banking Officer - Wealth Briefing](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUFd5RlFYa002TzlwQktaazRhc1V6RWlmSjRVeHdnUUpNd2FXbm1SWDhyaVpzamMxTGo2ZXBvOG1nUkR2V1JOQUFkTnZ1bTEzbnNDT1FkR2E0REhnWmQ5RUhrUWkzdk9PZUhDcTIySldkRkM1WlB2eldURDZ1VnJORzhnZnRmczRscWUxaVZvRlRwVDdCOG9j?oc=5) · Wealth Briefing
- 2022-03-11 [Ambassador Telles Officially Assumes Her Diplomatic Functions in Costa Rica - U.S. Embassy in Costa Rica (.gov)](https://news.google.com/rss/articles/CBMibkFVX3lxTE4yS3Y2VTEwVkZQLXJ4Wk9DdExNOG1kWFhsSVdJblE1VlNNX1JDaExVR0pXdEhvaTMtSmktLXlGTzRuVm1LQ3Y5TDdMR3NycVNNV1JpVkN6RWdBcHpuZDBHcEtlOVkyMFNEbW41RXZn?oc=5) · U.S. Embassy in Costa Rica (.gov)
- 2019-04-08 [Bank of Southern California NA Appoints Gaylin Anderson to Chief Banking Officer - Send2Press](https://news.google.com/rss/articles/CBMiswFBVV95cUxQelpoVFozSHotVmtCQkNvTnpRdG9CcGw0aXlXRGFDVVhfV1VYdXIxX2hjQUd6X2dPN2FWZWswank3WDdySElKeFdzaFcweXBIdzJwUnZ5VE56ajg4TmNBMEVodzJ6dVYydkFveWNPb1dSSVJsanJWZm12ZXpSek8ybHlCMWFTS3NMaFc2alliVDVmU1N5c1NBdnNpX2xiUlFLT2xzN0hBTmxtTEJlM0RoNEVHcw?oc=5) · Send2Press
- 2019-04-08 [Bank of Southern California Appoints Gaylin Anderson to Chief Banking Officer - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPV0Y2d1hOejl3emlCZnZZWGtGVHZtaTJlVHFVdm9BdkQ0ZDRZVGt3OHpuclNNVF9JU1h0VlRIVV9hM0Npbmg3Q2NYVWNkRDdkNHdFbTc0WkIzUDdBeThhSFVGOVNVelNDVTZ3MWVFUlZQQzk4WkhsU2lScHlpZkVHU0NseldWeW5zc2gxZFI4TUZ0RFByYUhNZl9odkh6dUhoeUtXZUJpaFdUVmFjMVdKbU9FR01IZmhkZWlVOEdFam9QNkdqcjRxY3VjZ0x5UQ?oc=5) · PR Newswire
- 2011-08-03 [North America Executive Moves Round-up August - Family Wealth Report](https://news.google.com/rss/articles/CBMingFBVV95cUxNZ2lHenVYN2FSTnlQelI2U09GS2c3cE9oV25NdzlFYnNkOGVJc0FFWXY3cGQ3RGpIb1puSnk0UHhVZG11NFZrUTZKRW5kSmJnOUVFQ0RUVkU5MFRpWW1sRUd5eDJpNFJFTW5tNzdfYmlkd0tpOGdiQ3drYzhiSmRXaVNVRllnQ1l3YThfUEJwelNzWW1KLXNqTHROdXM4QQ?oc=5) · Family Wealth Report
- 2017-08-23 [Blackstone lists two Glendale office properties as a package deal - The Real Deal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5GU193TnQzeUJCX2tDd1lJOEFHamtCa1k2VFpXNnhEUzdtbFFWb2Q1R0JqdFlBLWRxNmNLLTFRTkUzM1Z4R1BNanJwb2FlMEF4N2J4QXg3aHNuRFdFUWc?oc=5) · The Real Deal
- 2021-06-17 [Biden nominates Dr. Cynthia Telles as U.S. Ambassador to Costa Rica - The Tico Times](https://news.google.com/rss/articles/CBMinwFBVV95cUxPOC1qbm8zSWphWlRyQUxrbFFGakVlbDFUMnRSeXd0cC1mdVNMSjh3N0ZPM0liZGNaZUNxSHlXb3hqaHhZRWRkUUN6aEJBR1VNMTVVNmprSWY2c2dVM3E5UXlDX0w1MVlBcEFld0ExdDNHWTlWbmpnTFRCNFFrY1pHTXZpMlNMQjFvYm5GLTVnbDhMNWFPSWhkOG9iLW8yYmc?oc=5) · The Tico Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58360 (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/56.json (key "58360", 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