# MEGA BANK
SAN GABRIEL, CA · FDIC certificate 58401 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $506.7M | |
| Deposits | $426.1M | |
| Loans and leases | $433.1M | |
| Total equity | $74.1M | |
| Loans / deposits | 100.33% (p89 of band) | 82.04% |
| Liquid assets / assets | 11.09% (p7 of band) | |
| Uninsured deposits / deposits | 27.32% (p56 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.43% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -1.34% (p84 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.15% (p43 of band) | 1.28% |
| Net interest margin | 3.91% (p50 of band) | 3.91% |
| Efficiency ratio | 58.92% (p42 of band) | |
| Noncurrent loans | 1.61% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 80.29% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 153.83% (p97 of band) | |
| Auto loans | $6.2M (1.44% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $14.3M (19% of equity) (p98 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2011-06 | 1 | loans exceed deposits | uninsured deposits >50%, run vulnerability |
| 2011-09 | 1 | uninsured deposits >50% | loans exceed deposits |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | reserve under noncurrent |  |
| 2012-12 | 2 |  | uninsured deposits >50% |
| 2013-03 | 3 | uninsured deposits leaving |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-03 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2014-06 | 3 | capital falling, charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 1 |  | capital falling, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 3 | capital falling, noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 | capital falling | charge-offs p90, reserve under noncurrent |
| 2018-09 | 1 | charge-offs p90 | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 4 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2019-12 | 0 |  | deposits shrinking, assets shrinking |
| 2020-03 | 4 | loans exceed deposits, capital falling, losing money, expense ratio p90 |  |
| 2020-06 | 3 | wholesale funding >15% | capital falling, expense ratio p90 |
| 2020-09 | 3 | expense ratio p90 | wholesale funding >15% |
| 2020-12 | 2 | noncurrent p90, reserve under noncurrent | loans exceed deposits, losing money, expense ratio p90 |
| 2021-03 | 4 | loans exceed deposits, construction >100% equity |  |
| 2021-06 | 1 |  | noncurrent p90, reserve under noncurrent, loans exceed deposits |
| 2021-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | deposits shrinking |  |
| 2022-09 | 3 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 4 | loans exceed deposits, uninsured deposits leaving |  |
| 2025-12 | 3 | noncurrent p90 | loans exceed deposits, uninsured deposits leaving |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 | loans exceed deposits | noncurrent p90 |

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

- 2026-05-11 [Here Are My Top 3 TSX Stocks to Buy Right Now - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMieEFVX3lxTFAzYXZtQnFOOTJOaW0wN0JQZjBGNVZYcktjWWR4eElyNEdERldSSUc1OWlzSEkyUkRqcHU1WXNyd05VdVpYaWh1SU5WTUZ3VzFCX3lDaGtoa292dlZJQjAwQW10Y3lCQnJidjlEbUxNTTVSc3dSb0xWcA?oc=5) · Yahoo! Finance Canada
- 2026-02-13 [This TSX top gainer's 25% leap prompts TD analyst to predict 'upward financial revisions' this year - Financial Post](https://news.google.com/rss/articles/CBMixAFBVV95cUxNTDhoV29rRGN6aDV0ai1CdFp3RWRHTVVWTTR6RUs1NV9pVG9CY0pCOTM0aVRoNjRidmxocUJKUS1VVUhUMFF1UEI4a1NFQVk3VVZsN0NtaHFDeTIyMVZUY1I3LUxERHVzNENia21IbU9aZ0ZqN0Z6VWxBRlJaWVRvRHpHem1rcWZ2RkVFWER4OUV1TGJpMTVzbDhMR1o1WFh1Q1NuT0RIZTdOTlRJQlc3ajYzT2NXX0FWbE5maWE0NjNyMTA4?oc=5) · Financial Post
- 2025-05-11 [Wells Fargo Wants to Privatize USPS. We Should Dismantle the Mega Bank Instead. - Truthout](https://news.google.com/rss/articles/CBMirAFBVV95cUxNRWR1YjdnbE5CeTNzaUkwa1ZkM2JPbEtCSUU2dHpLekd3SDFTbXhmSGxCblBQdjJ3NjdJbVU3M1NPYWEwOVN6V2pmVWp2QmF1Vmd2bGJVVG5mMktvOW1NQWp1YTk2bzc4djlZUHUyYTMtdVI3UGlmM0dWSjN2NVBaa0JGTjhHc2ZOWEVINTJzUTE1MnZESmtmTE1BNnc2TDRiaEFxWXJzZ21QQWN3?oc=5) · Truthout
- 2018-01-17 [Fed fines Taiwan's Mega Bank $29 million for anti-money laundering failures - Reuters](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQkw2UFctdEJxYnhQMXdmZHVlV0tTR3YyWFJCb1VSYURXeUJNYmdqYXFYcVVBM3cxcXk5WWNyUnM4eGN4M2tuQ0dwREJpTlo5c1hUSzMwdGt1c2dSUGk3aGk4TFA4aDlkdUluc1NTblRWZVF3WW1EXzBJZ3VrVUhyaWp5T2lrVW8tS2FUNzA4VTBXVFl2bTNhOFdlYjhRMnRlbTVOa2NjUGtHQnBCRGo2WlEzZGZWc2RteG15WTdXeW1vbzBaVzhfaA?oc=5) · Reuters
- 2018-01-19 [Mega Bank to pay fine to US regulators - Taipei Times](https://news.google.com/rss/articles/CBMieEFVX3lxTFBSNjhUcmxxeVE3LXI2SkFSUVNmZ1hBMmgyZll6aERUQ0FzdEFLTHBueW1vUXFXMTdkeU1rZDB0dktDcG4zb0hEMm5FczBEbnhCbjdkYzI0VDVDQ3BiQU51dERfY3FCMUY3LTNRa2ZJVnp6R1hFaVIwTA?oc=5) · Taipei Times
- 2022-09-13 [Canadian mega bank CIBC picks Durham for startup-focused investment office - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPbEh2cy1ud2dNX0RBM2poS3p6d1JFdnlRVVA2V3N0WjZ2U0xocTBVSlVlY0lXZUJBMDNmWmUyV1FjckZmTTVFb0t4VWw1M3RkV2lUWGNMRFNfUDllY2lnN01iTG9xMmI3SzNENU1DazhIcXJXS1dWNklIc2dJOFpCazNubGNTaUJvbWhMam9QQlhxMWNOcFp1SF9tRjRuZw?oc=5) · The Business Journals
- 2022-09-20 [Chang scores $352M loan on Westfield Santa Anita - The Real Deal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaFpVcFB6ZzE5dWszY3pHWnIzSHN6d1MxNWwzZTA3ZDdwRjE0STA4Z0ozdU1oa2VpQ1VwU21EU2h3YmZveGxMSEc2Z1Z5b0lvS0RyMmtxZTZESWVrSHNxY0pZRjBPV3VFSmhoeTNBSUpXbVZFNkxzcGJTcEs0Z3d5RndlQS1lM3M0MDI0Q0o4TzlnYzB1SEd3SlMxcw?oc=5) · The Real Deal
- 2021-10-02 [Judicial Notice (10.02.21): 'Not True, Not True' - Original Jurisdiction | David Lat](https://news.google.com/rss/articles/CBMidkFVX3lxTE93cXJjMjZrQ3c1c2hpNDBFYmMxZmJxMzNPc0VsWHJkeWtuWHdabWFmelJtUzl2VjAwVmI4UldDQnRnNG4xdUIxdE84bWN4OTVfQmlnV2ZwTl9fT0xwX0lrVlAtS1RtTVprTUhXYkU5QjBDR3prWFE?oc=5) · Original Jurisdiction | David Lat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58401 (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/33.json (key "58401", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide