# NANO BANC
IRVINE, CA · FDIC certificate 58590 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $736.2M | |
| Deposits | $685.8M | |
| Loans and leases | $478.8M | |
| Total equity | $38.8M | |
| Loans / deposits | 66.91% (p20 of band) | 82.04% |
| Liquid assets / assets | 32.94% (p71 of band) | |
| Uninsured deposits / deposits | 56.92% (p97 of band) | 25.97% |
| Brokered deposits | 21.23% | |
| Wholesale funding | 21.23% (p95 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.04% (p0 of band) | 10.81% |
| Unrealized securities loss / equity | -2.37% (p77 of band) | -8.10% |
| AOCI / equity | -1.30% (p16 of band) | |
| ROA (annualized) | -0.54% (p2 of band) | 1.28% |
| Net interest margin | 2.15% (p1 of band) | 3.91% |
| Efficiency ratio | -5.62% (p0 of band) | |
| Noncurrent loans | 25.73% (p100 of band) | 0.43% |
| Net charge-offs (annualized) | 1.93% (p99 of band) | |
| Reserve coverage of noncurrent | 16.18% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 120.88% (p93 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 | -14.8% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 4 | capital falling, losing money, expense ratio p90, uninsured deposits leaving |  |
| 2012-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 | reserve under noncurrent | losing money, expense ratio p90, charge-offs p90 |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | reserve under noncurrent | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 1 | construction >100% equity | capital falling |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 2 | deposits shrinking |  |
| 2016-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | expense ratio p90 | capital falling |
| 2018-06 | 5 | loans exceed deposits, uninsured deposits >50%, run vulnerability, losing money |  |
| 2018-09 | 3 |  | loans exceed deposits, run vulnerability |
| 2018-12 | 5 | capital falling, run vulnerability |  |
| 2019-03 | 6 | loans exceed deposits |  |
| 2019-06 | 3 |  | capital falling, run vulnerability, loans exceed deposits |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 6 | loans exceed deposits, liquid assets <10%, capital falling, run vulnerability |  |
| 2020-03 | 2 |  | expense ratio p90, loans exceed deposits, liquid assets <10%, run vulnerability |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | expense ratio p90 | capital falling |
| 2020-12 | 2 | run vulnerability | expense ratio p90 |
| 2021-03 | 4 | losing money, expense ratio p90 |  |
| 2021-06 | 3 |  | run vulnerability |
| 2021-09 | 6 | run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2021-12 | 5 | loans exceed deposits, noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-03 | 8 | brokered >10%, expense ratio p90, reserve under noncurrent, deposits shrinking, assets shrinking | losing money, loans exceed deposits |
| 2022-06 | 10 | losing money, uninsured deposits leaving |  |
| 2022-09 | 10 | wholesale funding >15% | losing money |
| 2022-12 | 12 | loans exceed deposits, losing money, charge-offs p90 | brokered >10% |
| 2023-03 | 9 | brokered >10% | expense ratio p90, reserve under noncurrent, loans exceed deposits, losing money |
| 2023-06 | 10 | loans exceed deposits |  |
| 2023-09 | 8 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving, loans exceed deposits |
| 2023-12 | 6 |  | assets shrinking, reserve under noncurrent |
| 2024-03 | 7 | expense ratio p90, reserve under noncurrent | run vulnerability |
| 2024-06 | 5 |  | uninsured deposits >50%, reserve under noncurrent |
| 2024-09 | 6 | uninsured deposits >50% |  |
| 2024-12 | 5 | capital falling, losing money | noncurrent p90, wholesale funding >15%, brokered >10% |
| 2025-03 | 5 | brokered >10% | capital falling |
| 2025-06 | 8 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 11 | capital falling, deposits shrinking, assets shrinking |  |
| 2025-12 | 15 | leverage <7%, leverage <5%, uninsured deposits leaving |  |
| 2026-03 | 15 | NIM <2.5%, construction >100% equity | losing money, capital falling |
| 2026-06 | 12 | losing money | expense ratio p90, leverage <5%, uninsured deposits leaving |

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

- 2025-12-18 [Hunton Wins Significant Defense Verdict for Nano Banc, Defining Limits of Aiding-and-Abetting Liability for Banks - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNNVQyMmhOcTlWdUU1blVKbnlqVnFSWHdlY3FCNW1PdE1WS0tUb0V1VXhNVkw1c0VzZjEwQk5WMUlGU1N4dGJ1VUJOakV1SGZ2WXBtV3dScEdPT2xFRUVXUV8yWmpQLW1lOHpBQV9VSTZGRWhtTGxDb1hpRFRKWGdzZHRCdS1CXzlVeDFQR3FubzA1a2lCd3EzbFMwOHBHMGRjUFllR0tFQ0RGeEZNcXRyZEJYMjg5QlpOdXRYQ2F3MTFNc1kyTWJuYlpnVURUSVFSTU9aeDNGWQ?oc=5) · Hunton Andrews Kurth LLP
- 2026-06-18 [How an alleged California fraudster seized a regional bank and swindled a seasoned landlord - The Real Deal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQWElvSmdsWEZQOWJsbGdOa3pXMkVmaGxNbmxZaW5UNDBaQjVDbmw0cFMyN2pfcnhzQTdBUEg0TTdhWWR2czRuOW41YUhYY0pqd2tIV2pGMlV5VjU1NFFUanluR3FVX2JwWW9fQ3F2cFJNaU44UEhsRHIyMWRMYjlwVU1CQVQtUDRxSW5Fcl8xNHJhNUZBZHdkNw?oc=5) · The Real Deal
- 2024-11-13 [Fed bans California bank’s ex-interim CEO over alleged PPP, EIDL fraud - Banking Dive](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbzBmUFpHNFBLaFVGakVYZjZvQ3YtTDRBSTRfcjhPTl9YNWRKN0pLb1VvbXZkVk1vM202bER3dXc2bnN5bTBwVWthWFdNa1ZsdmQ1NnlWM0NDLXpwaU5XY2Zxc0FIME9uLWFyT2VKQnRpRDFMUGRqcFdUNkVULTc1TG9IUFpoZkNVOEl0VFRrSXdfNWVYTEhrblZTQlBkbElvelBqdFNUdExOVTQ5OTAwUU52cEViZEJhQkE?oc=5) · Banking Dive
- 2026-01-02 [MOM CA Investco: Mo Honarkar Feud Sends $382M Portfolio to Receivership - ElevenFlo](https://news.google.com/rss/articles/CBMickFVX3lxTE43RHMyOGJxblhGa3VQS2xTUm9QTllmemtxREF2MlBmUFNteElySUcxMko1aTBXOWdKRnM2dGh1QXptak1QYzVrdlFyc3JOUDdwY0U1dERCUjF0MkVBVUhFOUtzSDhkXzFnQmthTzV1N0s3dw?oc=5) · ElevenFlo
- 2025-10-20 [Investor behind Zions, Western Alliance bad loans is tied to $270 million in troubled debt - Reuters](https://news.google.com/rss/articles/CBMiygFBVV95cUxQelNlaFlFVWcyeThkVmlsVHVJdHh0clJNYVdzcWx1TnNaMzY2MjNTODc4RmpuamtiQlA2aElNU0pnd1ZtM2dzY2JMeUg5OUQtSDhJTU1NNGF6b3BvSXBDdzR5bndOb0xDT1JUd210eTVWV3BRZDJCU2pVWmJoQkliOW0wUVpzcDNjVDktTzh4QVB4cE02TV93elRwRHE0TGxfaThEU04wakhlaE9ja1VhVFJfLXAyUUk1TFZZM2NRYjgzZnNCLXBYcDhB?oc=5) · Reuters
- 2025-10-21 [California real estate investor Andrew Stupin linked to $270M in bad loans - The Real Deal](https://news.google.com/rss/articles/CBMiowFBVV95cUxNYkp1c3pmYTZTUFZvbjZXZ0Z3cVZfZjRTQXYzSTFtT3duNUVBdFZiWU05enVnaUk5ZmRZS1gtVTF1bUtJTTBFLWd2MFB2Q0V5V01YMEVJX3I3RUtxQllVSW9fdURJNXFRTW9aREFXZ3pXbzNnYmtFa0NEVW16REs4dGQ5dUszLS16MVhvZGYxX0x5VDI0NXBZS2hYWkpVZmxQWEJV?oc=5) · The Real Deal
- 2024-07-29 [Nano Banc Names Board Chairman as New CEO - Orange County Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTFBqOGJiY01CQXdqaWhUai04bzRhWTJpWUJFMUdFZDV1d1ZMMUdnQ2VfaG9veXRQUW5NZTZaZEY1VFNEMzZneE9LNlotZlRPZGFsQkZvUzJ0cDN2SjV2dV9kOVdLelhiYlktX1o1b1EtdVFNVzBY?oc=5) · Orange County Business Journal
- 2020-10-07 [Nano Banc Triples Headquarters Space - Orange County Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTE5GbVFBdkRsRlVuTjJMMGtTZ3hyX1JIem05NjdDNW0yQWNZRFpXSmpVV05LVThOQ2xicTFlYm1jMzktRS10VlZaaGtrZmkxYUkybC0yZmNCd0hTcm5mc3Uwdk13SFR3U0RCampnNlRBTG5QMzlh?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58590 (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/30.json (key "58590", 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