# PARTNERS BANK OF CALIFORNIA
MISSION VIEJO, CA · FDIC certificate 58588 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $602.2M | |
| Deposits | $509.0M | |
| Loans and leases | $505.8M | |
| Total equity | $68.1M | |
| Loans / deposits | 97.33% (p85 of band) | 82.04% |
| Liquid assets / assets | 15.81% (p18 of band) | |
| Uninsured deposits / deposits | 50.66% (p95 of band) | 25.97% |
| Brokered deposits | 11.89% | |
| Wholesale funding | 15.38% (p88 of band) | |
| FHLB advances / assets | 0.50% | |
| Tier 1 leverage | 11.67% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -0.12% (p95 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.26% (p49 of band) | 1.28% |
| Net interest margin | 3.83% (p46 of band) | 3.91% |
| Efficiency ratio | 49.53% (p18 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 93% | |
| Construction % of loans | 40.62% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -11.9% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **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`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling, reserve under noncurrent | wholesale funding >15% |
| 2012-12 | 4 | losing money |  |
| 2013-03 | 4 | expense ratio p90, noncurrent p90 | capital falling, losing money |
| 2013-06 | 5 | wholesale funding >15% |  |
| 2013-09 | 3 |  | expense ratio p90, wholesale funding >15% |
| 2013-12 | 4 | losing money, charge-offs p90 | noncurrent p90 |
| 2014-03 | 2 |  | losing money, charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 | wholesale funding >15% | reserve under noncurrent, capital falling |
| 2015-06 | 1 |  | wholesale funding >15% |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | brokered >10% |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | brokered >10%, capital falling |  |
| 2017-03 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2017-06 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | wholesale funding >15% | brokered >10% |
| 2018-12 | 3 | loans exceed deposits, capital falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 | uninsured deposits >50%, run vulnerability | wholesale funding >15%, loans exceed deposits |
| 2019-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling | run vulnerability |
| 2020-03 | 2 |  | uninsured deposits >50%, capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2020-12 | 4 |  | capital falling |
| 2021-03 | 5 | charge-offs p90 |  |
| 2021-06 | 3 | assets shrinking | loans exceed deposits, wholesale funding >15%, charge-offs p90 |
| 2021-09 | 2 |  | run vulnerability |
| 2021-12 | 1 |  | assets shrinking |
| 2022-03 | 4 | run vulnerability, deposits shrinking, assets shrinking |  |
| 2022-06 | 5 | loans exceed deposits, wholesale funding >15% | assets shrinking |
| 2022-09 | 3 |  | deposits shrinking, wholesale funding >15% |
| 2022-12 | 5 | wholesale funding >15%, capital falling |  |
| 2023-03 | 3 |  | uninsured deposits >50%, run vulnerability |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 | uninsured deposits >50%, run vulnerability | loans exceed deposits, wholesale funding >15% |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 | brokered >10%, wholesale funding >15% | uninsured deposits >50%, run vulnerability, capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2024-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 5 | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2026-06 | 7 | uninsured deposits >50%, run vulnerability |  |

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

- 2025-08-12 [Partners Bank of California Strengthens Beverly Hills Team With Two Key Hires - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOb3dkY0ptV3k3R2VpZ08xOXZfazB2bjhBMEpuc2xQcGFEYm1ER1RIOXR3LXVjMnhoaWNoOU9nSDRtVGVzNzdZZXB4N3FmYXlWUkVtUWp2cU5tUFZFa3Q5WXdfcERvd0hVY3Zkdmw0RC0wd1RMT2ROd1JGZXhPdXRkNnFwMVR5cWpudkpSQzExTHBHZTZnVmlYMU8wWHBvejFpZ0lINE5LVnA3WmZVZThEWGF6SnVMMWNXUmJSYmdlR3VNYXREcGo4R3pYTkt3dms?oc=5) · Business Wire
- 2024-11-08 [Monthly Bulletin – June 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTFBUdjhHSXM5QzZzU0Z5TG1LbG5BbmlOdFFQVVV4WFJUSlZtdG1TQjBVcU4yMWJ4N21YYW4wbmVVeHhWVXZSaEEyNW1TOHFGV3hZeFZPbnByNV9jcHNzUW5EbTN0VGlqRk9OM2tMb1k5SW5LR2RBbUIxU09n?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2018-06-01 [Partners Bank Hires Blue Gate’s Walsh - Orange County Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTE8tb2diMkxRQmpiMTM3YnlWVERvTzVqc3AwellQb2E5cktjVDk5eFVlYktOWWRLU3JxeUh3SkZ3NzJ6bWRINkFlSVFLaEVJN1BVSThZMlhwYldKV195dmt6WWYyNFIweThTTG9ESldKSy1OY1dZ?oc=5) · Orange County Business Journal
- 2026-03-02 [Orange County Bank Deposits Fall for Third Straight Year - Orange County Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQOFFMcUx3T041RWh4aXk0d2lxeXZzX0hxQWktdzFhREZBajZKMVQzc3piM28wVDdGTlNZTVVXcDE0d0hrTnpERHZsMjhqMGlwZXFVcUwxQVFva2tWaVgwVms4cGRuV20yWlphd1lFcTk0QnJFODZTWE85azRRTmJuRDVpS2VidERaXzVKSDZhOA?oc=5) · Orange County Business Journal
- 2019-02-15 [Pepperdine Taps Global Justice Reform Advocate James Gash as New President - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxPX0d5cGR1eWRERkN5V1V4Y1IzU0VKbmJLRVllUVF3RlpEM3UzTTdnV3VHNmFTcjZGOFFGRWh4dnJkcHc1MUd1YlJMS1R5WU5tdFJuZmRRVVZCREVMMFd2YUw4MVR3Q1lGcWpLZzYybm5udXFWRnJvUks4Zno0WHZ6N3VfZTV5NW5BTFFPdnJUWnozbS1VMVE?oc=5) · Los Angeles Business Journal
- 2022-11-01 [OC Banks Prepare for Economic ‘Hurricane’ - Orange County Business Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE5QY2p2RGY5aTNMVVhpeEhqbHpzMElXQzExWlFLbWNXOUFKWVNrdUdPWGx1S3Zyc3FSMDI1eTJYVEJFZ001LXVmWUtUMEYtSnl0aWw5WlN6Z0J6dHowSTdaa2c5M2gwcTVLOHhlZzRfcDRwYmZFR1lQcw?oc=5) · Orange County Business Journal
- 2025-03-27 [Mission Viejo Office Campus Sold for $32 Million - Orange County Business Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE93OC1TUk5nQmIyQTg1X1VBU3lrUGJZTFBMVXIza1pQR215NVhTdHRxV1NiVHVJUVV1T3RLZmhkZU5ZN0VtcVFEOVl2LUc5TkhJUE1hajdrU2l5a3dHYTNOekdIQkt6QVNyWlJyZHFyb3BrV0V4YkpkcXljTUx0U2s?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58588 (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/28.json (key "58588", 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