# GRANDPOINT BANK
LOS ANGELES, CA · FDIC certificate 58390 · asset band $1-10B · latest filing 2018-06 · 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 | $3.10B | |
| Deposits | $2.51B | |
| Loans and leases | $2.40B | |
| Total equity | $325.2M | |
| Loans / deposits | 95.05% (p64 of band) | 90.60% |
| Liquid assets / assets | 17.51% (p39 of band) | |
| Uninsured deposits / deposits | 53.58% (p93 of band) | 26.16% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 8.99% (p50 of band) | |
| FHLB advances / assets | 8.06% | |
| Tier 1 leverage | 8.65% (p14 of band) | 10.10% |
| Unrealized securities loss / equity | -1.58% (p68 of band) | -2.78% |
| AOCI / equity | -0.72% (p68 of band) | |
| ROA (annualized) | 1.11% (p44 of band) | 1.18% |
| Net interest margin | 3.87% (p68 of band) | 3.62% |
| Efficiency ratio | 70.68% (p79 of band) | |
| Noncurrent loans | 0.29% (p29 of band) | 0.46% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 263.63% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 49.61% (p57 of band) | |
| Auto loans | $27,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 264 | |

## 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 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 0 |  | losing money, expense ratio p90, reserve under noncurrent, capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2014-03 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 | brokered >10% | reserve under noncurrent |
| 2015-03 | 3 | wholesale funding >15% |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | reserve under noncurrent |  |
| 2015-12 | 2 |  | capital falling, reserve under noncurrent |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | uninsured deposits >50% | brokered >10% |
| 2017-03 | 1 |  | uninsured deposits >50% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | uninsured deposits >50% | wholesale funding >15% |
| 2017-12 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 | run vulnerability | wholesale funding >15%, deposits shrinking |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58390 (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/22.json (key "58390", 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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