# FOLSOM LAKE BANK
FOLSOM, CA · FDIC certificate 58503 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $197.3M | |
| Deposits | $171.9M | |
| Loans and leases | $122.3M | |
| Total equity | $16.2M | |
| Loans / deposits | 70.24% (p39 of band) | 76.19% |
| Liquid assets / assets | 34.39% (p59 of band) | |
| Uninsured deposits / deposits | 38.09% (p96 of band) | 14.99% |
| Brokered deposits | 2.01% | |
| Wholesale funding | 5.56% (p67 of band) | |
| FHLB advances / assets | 3.55% | |
| Tier 1 leverage | 7.98% (p4 of band) | 11.02% |
| Unrealized securities loss / equity | 0.27% (p60 of band) | 0.02% |
| AOCI / equity | 3.06% (p85 of band) | |
| ROA (annualized) | -0.76% (p2 of band) | 0.90% |
| Net interest margin | 3.40% (p32 of band) | 3.71% |
| Efficiency ratio | 140.38% (p99 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 28.99% (p65 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 | 2.1% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | losing money, expense ratio p90 |  |

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

- 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
- 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
- 2015-06-30 [The Great Bank Shakeout - Comstock's magazine](https://news.google.com/rss/articles/CBMiaEFVX3lxTE96UmtQcmFEU29qV2xqeVlaeGhjVDM2eDkwbC1jS3VWNkJ3aG91VVpmazYxRzhIRC0tQUNvZGlnbWxvdDlDZXJ5MC1zLWZtYmtTbEVSM2lTWFdralYtV3hiSFpxN2Y4c1Fp?oc=5) · Comstock's magazine
- 2024-01-12 [Barbara Ann Mayberry - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdjF4a2ptUktzcXBld1JpM2stVVE1dUJ1dENqanRBRTc3ckNmYXFtNXM0dElqS1Zwb2wyM2hMY2tCRXc4azI2THh0WEtqMzJZZ2ZPS3pYeGhnejNMcDBUTGZzbnlpa0dJQWlpZ1VPU21SLUNrX0pFT0F4RXJvb2JuRjhiLUotdU4tYllUM0pGcWt5NHot?oc=5) · legacy.com
- 2026-03-03 [Community West Bank Announces Retirement of Chief Operating Officer, Blaine C. Lauhon - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQSzlfenFkUFpjcHhXbWlxT0dxWWlJVnY2cEFNUmlUekxmQ1llQ2VORjFkdmZyWWZVbG5QblVjbGxGZUtHYmo4aU1ScDBHMFZoWFUzd1BvdmtTaFBWUndnVkRMdnhxeXh3SnR3bHhTaEhsdERGRFpVYUpWNzJobDJNN1Q1ZWtCT3d4blUzQUZybWQ4R1F4YnFOVDVTRWpEZUFoZkN5UEtFemMxMjZ5VVZsSWo3Vi10ZmpmRk02NHQ3anJKVTJUMDM1N0VycnVSX0dDTk9GS3A2MmE?oc=5) · Business Wire
- 2015-10-03 [William Cummings Obituary (2015) - Sacramento, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdEQ1YXVRck9KX3ZLcFRXQnZKY3hVdW9kbTNBVlozc3lFVUQ3ajZ0MVBZc0pTZG1Vdm9KQWpGdzVHN1VfekdJSTVBc0hOazJPR0FaMWlhSzczYnZRUTJUMV84WC1KQVlwdWhQeEttR0Z2Sl9BT2NXNDZRRVZUZVlnOHVMUTAxLXN0bVBxSlBR?oc=5) · legacy.com
- 2012-01-25 [Randy ROHRER Obituary (2012) - Sacramento, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNUJXa1YwelBrdkozWGtiaVVCSHNzaHhRZjN6ajlvYTg1bUMzeGtDQ0RxWENfN1FmdEowdjRxdEpGYkpONkg1UUJnVHR0UDc0SGpaaFkzQ1dEN0IzbllkRlFiWUtKMFVXUkJHR1BvQTdfVU9zMEdBMEt4X0pBc3lwRXV0RmRTeENmZFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58503 (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/7.json (key "58503", 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