# PACIFIC ENTERPRISE BANK
IRVINE, CA · FDIC certificate 58415 · asset band $300M-1B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 7 (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 | $518.2M | |
| Deposits | $404.4M | |
| Loans and leases | $435.3M | |
| Total equity | $63.7M | |
| Loans / deposits | 106.25% (p98 of band) | 68.49% |
| Liquid assets / assets | 14.10% (p5 of band) | |
| Uninsured deposits / deposits | 53.17% (p95 of band) | 27.18% |
| Brokered deposits | 14.52% | |
| Wholesale funding | 22.84% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.43% (p90 of band) | 9.74% |
| Unrealized securities loss / equity | 0.00% (p52 of band) | 0.00% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 1.23% (p56 of band) | 1.15% |
| Net interest margin | 4.52% (p96 of band) | 3.31% |
| Efficiency ratio | 62.29% (p47 of band) | |
| Noncurrent loans | 0.16% (p35 of band) | 0.31% |
| Net charge-offs (annualized) | 0.01% (p62 of band) | |
| Reserve coverage of noncurrent | 825.55% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 17.05% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $78,000 (0% of equity) (p90 of band) | |
| Deposits YoY | -11.5% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | brokered >10% |  |
| 2012-03 | 2 | wholesale funding >15% | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 | wholesale funding >15% | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 4 | reserve under noncurrent |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 2 |  | reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 | expense ratio p90 | wholesale funding >15%, capital falling |
| 2018-06 | 1 |  | expense ratio p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | wholesale funding >15% |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2019-12 | 3 |  | reserve under noncurrent, assets shrinking |
| 2020-03 | 4 | losing money, expense ratio p90 | deposits shrinking |
| 2020-06 | 5 | loans exceed deposits, liquid assets <10%, capital falling | losing money, expense ratio p90 |
| 2020-09 | 4 |  | capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 8 | uninsured deposits >50%, run vulnerability, charge-offs p90, deposits shrinking |  |
| 2021-06 | 6 |  | liquid assets <10%, charge-offs p90 |
| 2021-09 | 7 | assets shrinking |  |
| 2021-12 | 7 |  |  |

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

- 2026-08-19 [First Pacific Bank Announces CFO Retirement and Transition Plan - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPOUstTll6WWFjYjNXZEFiT2ZJNmFrNWRua1lLai13WFAwb1lObkpNTk91UU1SbEQ5YVh2czBhNVkwUGxKaHNUdzdWaG0wMXhoRjlIME9KaEk5MHNnb0pIaXBnd0NTZGQyQU9WX1AyTkpQUU1JUzJsYS1tZzRtYVhlOWk3RUhoWEFkUTRwdE5FcFJ5allLRUdVblgxM1VZdw?oc=5) · Yahoo Finance
- 2024-11-08 [Monthly Bulletin – February 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwQzB0aFBfNTcxdXh6YVlpT3lnbXdZbk8wRUtTM3daakN3UEhiU0JxOFBQQlA5WVZJV3RsSVU1OTZNVUtpck05a0VkTDh2VTdzNjAwVV9EUEhrVXUwRnFuZU51cUc4SVdTcXRaWDJtVjFjRk83bExqNy1OY1B2ajA?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2025-03-03 [USC Captive Insurance Company gets new director of operations - Captive International](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWlh3emNqSzdZTUI1WkF1a3BJcHhEVmFNdjlZZ0d5c2tXSy1DRDF0SkwtYjZrV3JxdERyMVVRcGFoV0ItQzd2VUFzajYxYkJkakxvN21xS3NDUlBXQUp1S25OUWY5dDZYeXFST3h5OUpoOW9DdFQ0dUNkaVpBR2QyVXZEM2ZZRHNTdWtzZ1I5eElDcVExQlNKUkRaeEoxcFE?oc=5) · Captive International
- 2011-11-12 [Acquisitions Drive Big Gains on Assets, Jobs for Banks Here - Orange County Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxPU3g5RlF6WVliWUJLMEgzNEw1czhPVklfVHY3aFk4bGt6YTdYQ3F1S2RHVFVncVR2MG5YeWdiYUhXbTFaOTBBNm83QnFpV0M1NGVXd2dhRDZDVHVWVU9JOXdRS2l4YktDRkcxV1FnMXRqNFBCX1o1czFqRjJ4cmlqZndSWlNDbXZjRjY1Mm15Yw?oc=5) · Orange County Business Journal
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2013-10-27 [L.A. Port-Powered Truck Maker Grinds Gears - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxOdHZLaE44UFczNlU2SVZseWI1aFVXNmhjVjdyV0lYZklkZ1l5ZVVMeWxNcS1zdXk1MzZmSWtHSDhvSml6cEQtTUdwNVgzZm1vOGFBM3M3ME5Pdk9aeUxsV3NHV3pnNmdrd0pqQXE2MTN4a2RRbVY4bUU3T0k4bzZNUVJJeWVNbmRtMHdueA?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58415 (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/47.json (key "58415", 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