# FOCUS BUSINESS BANK
SAN JOSE, CA · FDIC certificate 58474 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $407.6M | |
| Deposits | $377.3M | |
| Loans and leases | $189.2M | |
| Total equity | $29.1M | |
| Loans / deposits | 49.42% (p7 of band) | 82.05% |
| Liquid assets / assets | 51.05% (p91 of band) | |
| Uninsured deposits / deposits | 37.88% (p91 of band) | 19.19% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.40% (p3 of band) | 10.09% |
| Unrealized securities loss / equity | 0.75% (p58 of band) | 0.40% |
| AOCI / equity | 0.25% (p93 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 0.91% |
| Net interest margin | 2.70% (p8 of band) | 3.56% |
| Efficiency ratio | 88.66% (p93 of band) | |
| Noncurrent loans | 0.09% (p9 of band) | 0.80% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 1674.85% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 5.07% (p10 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | expense ratio p90 |  |

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

- 2018-03-09 [Ditlevsen Joins Liberty Bank as SVP, MD/Business Development - ABF Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUHZLUUgzWDlUUWhKdlpQQ0ZPNkRHaEcyOVR6Qk9DZkpDalJfTDUtaEVtdm9SOWVJT3NuNWQ2ZzZwM2Q5R0htWDZCeW8yemplMjZjQWFWMWFNV053WE0tU21Dd3Z2dVJOaFhMRzQ2bkVxdEE2LTZmeU5KSW9UWWJVUGZEZ1F3TFpiMlRycVhyR1Y?oc=5) · ABF Journal
- 2020-03-30 [Pinnacle Bank Appoints Cynthia Lazares to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxONlZ6YzM4RVE2T21LbFFQMS00Z2tVOEkwbnJYMGJLd2sza2R4aXEzWUd0SVdWck1XSnpYbFNHVDllTUxWcHF5alAxTFlUR0tDRVlGQjVHak9DbC1vcjRoeEw3a3Voa1piTENPQVJaeDBJR2Fzd216RGh0cmdHX1RjZnIwMUlMVnJtVzZEOGZxTDh3Uld3czVyZkpOTXc3OTBxdDZtcUl5WWJ4ZHdhUDU2bVVuWlVQRTg?oc=5) · PR Newswire
- 2022-05-09 [Symphony San Jose Taps Classical Music Veteran Robert Massey as General Director - San Jose Inside](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPaGdTeEctTVB2bHY2REtYQzJvZ000aDJvcmNicE1VdjhFUERsRU02SGJlcnh6VFRUcFVmWmhnTUE0aDNfV0tadkE0dXB3NE1qLXd2b0VPcFFVWHZUaDJ6MFJGeUVRaFlTTzZWQ1g3Y1UyZmJRWnAxLWFCeTN0b29LWU84VjBvZy1kTV96RmRzWEZBR2RYNno3WGZaTExKX2dCTU1hcm81RFRMVTdiZk5RZ0hqYXcwM1BETHVV?oc=5) · San Jose Inside
- 2017-07-16 [Silicon Valley's top corporate philanthropists 2014 - The Business Journals](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5MRDNWdUdWNkQ3am5HekRNdmpacGhScXNXZTZOblhoc3lhVTA3T0xORFVOUFFGSFRoUXFrVDlqbFkwc3Y2dUNNRmRvUEduYU5WT24wcUNMOTcxZjN1cExxQw?oc=5) · The Business Journals
- 2014-06-24 [Alumni Updates - SJSU Blogs](https://news.google.com/rss/articles/CBMiZkFVX3lxTE92RjFGek1jaEJoTFA3OE53RHdIcW54b0NLX01qdEU5M0xUWll2b1VjbWg4bm1EZElOQThxUFU4bDA0UTdzYWpCb0FOWXRlNXpMc3FoS3lNNUJKOVhXWlRGb3d2YlhLQQ?oc=5) · SJSU Blogs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58474 (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/42.json (key "58474", 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