# VIBRA BANK
CHULA VISTA, CA · FDIC certificate 58662 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $133.6M | |
| Deposits | $118.5M | |
| Loans and leases | $94.6M | |
| Total equity | $14.5M | |
| Loans / deposits | 78.76% (p65 of band) | 70.43% |
| Liquid assets / assets | 27.50% (p35 of band) | |
| Uninsured deposits / deposits | 20.51% (p77 of band) | 13.33% |
| Brokered deposits | 7.31% | |
| Wholesale funding | 7.31% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.19% (p44 of band) | 10.49% |
| Unrealized securities loss / equity | 0.96% (p44 of band) | 1.32% |
| AOCI / equity | 0.08% (p28 of band) | |
| ROA (annualized) | -0.11% (p6 of band) | 0.80% |
| Net interest margin | 4.10% (p78 of band) | 3.57% |
| Efficiency ratio | 98.70% (p91 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 12.27% (p45 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 | -13.0% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 0 |  | brokered >10%, wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | losing money, expense ratio p90 |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | expense ratio p90 |
| 2014-03 | 1 |  | losing money |
| 2014-06 | 3 | expense ratio p90, charge-offs p90 |  |
| 2014-09 | 1 |  | expense ratio p90, charge-offs p90 |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-03 | 5 | losing money, expense ratio p90 |  |

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

- 2013-01-13 [Chinatrust Moves On Under Eye of Regulators - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQktQMGhhNU1Dcmc2VE1hYmw3Rk8xUzJRNVJpUVJ3bXpjdENNc1M4NVNQV0cxQzNHTklFVlA0d3duWUFJNGM3QUdHZnJHS0VkQmRJZnFxZVVNcmNCTURCY1BQUjdsc01ROWgtT2NPMVRDdGxCcFBTOUhxZWtWaWhzUXN3?oc=5) · Los Angeles Business Journal
- 2011-10-06 [Taxi Cab Bandit Sentenced to 94 Years - NBC 7 San Diego](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNW1EYVZEdXhPZTJBSU00NTU4X09SemlRWTV4YXVmOUlQazJFa3pOZk5jb3RkMzRpN0RQQ1JaLTIwWkloc1BkVjY2YXU4c0k1UW13TWNqc1cwMjk0d2dUdU9QTXNaN3FfVG9vUWZwUXVVb3ZuNHBFSy1tREw3Zk5md2FJQXlicHdtTFlDejZB0gGWAUFVX3lxTE1GeFhHeWtBOFVNb2NVcWY5Qk0tVjBDU1R5QW0wNDBFZ0FMdDU4b0xsS0ViSDdKYUNaa0drOTAxSlpXdjVDMzZELVFGcVdQcnAwek5Bb19hT1BLZ01RNGFodlIwbmhLOEphZ2pxTVBVNmlzb2gybFE0dzJ2eEZ0VUk1R0pmVlp1a1BvcUtqUFgycjFTcms4UQ?oc=5) · NBC 7 San Diego

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58662 (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/38.json (key "58662", 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