# SIERRA VISTA BANK
FOLSOM, CA · FDIC certificate 58438 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $155.3M | |
| Deposits | $138.2M | |
| Loans and leases | $125.1M | |
| Total equity | $16.2M | |
| Loans / deposits | 89.23% (p76 of band) | 75.30% |
| Liquid assets / assets | 14.62% (p13 of band) | |
| Uninsured deposits / deposits | 25.29% (p85 of band) | 14.23% |
| Brokered deposits | 6.48% | |
| Wholesale funding | 6.48% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.56% (p10 of band) | 10.87% |
| Unrealized securities loss / equity | 0.00% (p10 of band) | 1.65% |
| AOCI / equity | 0.42% (p39 of band) | |
| ROA (annualized) | -1.85% (p1 of band) | 0.88% |
| Net interest margin | 4.57% (p90 of band) | 3.67% |
| Efficiency ratio | 161.98% (p99 of band) | |
| Noncurrent loans | 0.16% (p27 of band) | 0.69% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | 890.36% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 129.24% (p98 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 | 8.9% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 | brokered >10% | losing money, charge-offs p90 |
| 2011-12 | 2 | noncurrent p90 | brokered >10% |
| 2012-03 | 4 | brokered >10%, losing money, charge-offs p90 | noncurrent p90 |
| 2012-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 6 |  | brokered >10% |
| 2012-12 | 5 |  | assets shrinking |
| 2013-03 | 2 | brokered >10% | losing money, charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | wholesale funding >15% |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | brokered >10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | construction >100% equity | capital falling |
| 2016-09 | 3 | losing money, expense ratio p90 |  |

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

- 2023-10-11 [Longtime Fresno bank to get new name under $99.4M merger agreement - thebusinessjournal.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQbUtlcmZ2OXItQWxCWnZ1Y00zZl92TTVBNGFCcmtEOXB0bzZPa1dENGtTYi1DZzE0QUJNc0R5amZXT3R3anBzeE95QXdKZ3I4SWM3R2pwTVRrdDJ2d1pyR1lIOEZPT3U5NmZlbWVHTFotOFN3bk9KYjh4MkliSGw1enBQd05FcTlLM1VPMUlXTjRQM0tLQ19BSmZHcERRdw?oc=5) · thebusinessjournal.com
- 2023-10-12 [Fresno's Central Valley Community Bank to Get Name Change After Coastal Merger - GV Wire](https://news.google.com/rss/articles/CBMirAFBVV95cUxNTEVyNm9SNmdVUWx5bFE4S0hGRXhZT3g5S2kwM0hWaFh5Q2dUYktLbHViQjlkQzF6Z2NSUkVnSHpCaVRpSnhVRVJRZUh0cXFSZTJYQW80VGV2V1hMeTNHRkl5eVRGcVVwc1JGMzIxTkk1SGxha2xDMlBsb2dmMjMtRzg1LUdFd1lGd2tzNzZYXzNsMDY0cG9YeXdmbUVEd1NNS0hzVi1OUl91dW84?oc=5) · GV Wire
- 2015-01-05 [Sierra Vista Bank Appoints Robert T. Perry-Smith as Chairman - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPdHBrMmRVdnNHY0lDZ05XZzdDRGFpM2U5MTRkRWJYZm1wVEFkeFl2T2ZTRS0zSkdXZ3ZaQmVOYl85bzV2SFZyN3BHUzJuRGQwbFdwVWpoLWlGSVl2MU5XVXhjT2xLdlpFeWs4SVltSEYyYmNfTkc1WW9NOXZ1ZU51cGpFZW1FTHlLYXFRREhiTmJqdV81YlpHTnRwbnQ3aGI2VHFkOF9FV2NRVkVkUWdLYVJWWXJhUzktNnJWbEVoaFJMSWV6QlFpajNkdGh4Qjg?oc=5) · GlobeNewswire
- 2024-04-01 [Central Valley Community Bancorp Completes Community West Bancshares Merger, Adopts Name, Announces Board and Executive Reorganization - Business Wire](https://news.google.com/rss/articles/CBMimAJBVV95cUxQZjRSV2d5a3hzUmowUmVxVnNwcVF5SXVkcDVGTGlnQnFfMEwybUhNUGVKWjJoc01DaWdGX2UtNTdZeEE0SjJ5Wk9SWEkwTF9kUEtIV1RrUC1tWHVHTkktME9GaXFJa2pKR3FXMWtHRjh3enNmWlR5Y29TbEdmMllsQTNhbWpncTluNUxkaC1jMXlFU29EUUUwd1JYcEI0X2tGYnNDd1VmbnFvbHRvQXBtMmNuY2FncUxnVUpYcDk4QzNubGp2eXNrazlDN0pjX0o2UE1taGY0b3Q0TUU0Wm0xVFJUNS1kUnBXQ1ZmZXpYbmMzRjBhU1FGUFUteEhyS2RYRW5xS0hhTzZKeXhhclpGa2NXNFdtcURS?oc=5) · Business Wire
- 2026-04-01 [Community West Bank merger brings it to about $5 billion in assets - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNYW1Uazh6NkhrNjJLZklmaFlhaDdDOTBwbWEwVFpEUGpSQlNtVUhHWXp0c1ZETGg1SlFibkpQVk5wSFd1YUZUZnVFUWFNWF94WmFCZ1J1b0VkTGN6SmFwQjNtcmZVblFzTVJqVVYtblk1ZE1aZFhaN0dMX20zMWxqWFJNZDNVM3ZrUkJvelFtTQ?oc=5) · The Business Journals
- 2026-04-01 [$185.5M merger now complete between local community banks - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaVcwM1J6WTlmLXRwb3RkSTdzbEhZY0JmUzJONEhtcDZHX0szcTEyY1ktai1JZUwxMTltS2p2UWVoUXB4MW9ZSFJxV3l5ZGRMQXZ6WUNadjRHcW1NR3ZwM3hTUkFSU3hKRFNuWnN2TjNIdmdSMTA5U1BYTm01UnZWVWZTVTZUQVlCMTMwUmNvakxsUQ?oc=5) · thebusinessjournal.com
- 2015-01-06 [Bank expert Perry-Smith named chairman of Sierra Vista Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaFQ2R25VekQyeEY0c3dpMW8zYXhHeHJZenBVTjZhdmF6Y05RdW1SWC1tblJEb01EbjBuZDBXQng5akxHd3dVR2dfSDFoZk5ubXI1WmtJNng1NnFfVVpHWUtDMXdJZXd6cUgtMjZmLUI4T1A4b3EwMDIxUldSeWRqWGNmTmNHOEhuUWFQQ2h3a193QV9rMGxmM0JHX18zSEpCeXBGM3RScjIxN0k?oc=5) · The Business Journals
- 2023-10-10 [Central Valley Community Bancorp and Community West Bancshares to Merge - Business Wire](https://news.google.com/rss/articles/CBMixwFBVV95cUxQTzZVcmhSQmkxWTZoTFlHX0o2MlRSV1VlNEp4TWxxOWd3OWpSY252RlAzREtPWjkyTlNnb0J1RTNQRUtqN08tcmIzV1Mzd3VzNWFqcHBIVkY4T3pOQWlSUVdqeHh6Sm5aVmRfcXVJN2stOXgzYkp4Y2xtWmRQbTdZOVBXUXBwYUZac2VIQm05b0J1VU1ocHZXVDZUdHhVOGdQZWlxZXlYbV9NOTQ1Nl95Y0lQU25WbWNscU9EZEtLNkFJU2w3TUJr?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58438 (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/6.json (key "58438", 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