# CALIFORNIA REPUBLIC BANK
IRVINE, CA · FDIC certificate 58663 · asset band $1-10B · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $2.23B | |
| Deposits | $1.57B | |
| Loans and leases | $1.78B | |
| Total equity | $155.3M | |
| Loans / deposits | 112.84% (p94 of band) | 88.75% |
| Liquid assets / assets | 18.66% (p38 of band) | |
| Uninsured deposits / deposits | 70.47% (p99 of band) | 25.63% |
| Brokered deposits | 8.56% | |
| Wholesale funding | 28.94% (p94 of band) | |
| FHLB advances / assets | 20.38% | |
| Tier 1 leverage | 7.98% (p7 of band) | 9.74% |
| Unrealized securities loss / equity | 0.42% (p15 of band) | 2.06% |
| AOCI / equity | 1.26% (p64 of band) | |
| ROA (annualized) | 0.43% (p8 of band) | 0.96% |
| Net interest margin | 4.38% (p94 of band) | 3.47% |
| Efficiency ratio | 80.45% (p91 of band) | |
| Noncurrent loans | 0.07% (p6 of band) | 0.62% |
| Net charge-offs (annualized) | 0.17% (p87 of band) | |
| Reserve coverage of noncurrent | 1002.90% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 23.56% (p30 of band) | |
| Auto loans | $725.9M (40.76% of loans; DQ 0.97%, NCO 0.17%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 510 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **expense ratio p90** (`earn_efficiency`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | losing money, expense ratio p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | expense ratio p90 |
| 2012-06 | 2 | auto book souring | losing money |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | uninsured deposits >50%, expense ratio p90 | capital falling |
| 2013-06 | 1 |  | auto book souring, expense ratio p90 |
| 2013-09 | 3 | capital falling, auto book souring |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2016-03 | 3 | expense ratio p90 | capital falling, loans exceed deposits, wholesale funding >15% |
| 2016-06 | 3 |  |  |
| 2016-09 | 6 | loans exceed deposits, wholesale funding >15%, run vulnerability |  |

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

- 2016-04-29 [California Republic Bank Acquired - Orange County Business Journal](https://news.google.com/rss/articles/CBMicEFVX3lxTE1kU190eXdINWFDekVmZ1pTbjZQcl9mM1dNODZ5VlFXZ2VVTGFBaWwtTjQzbFMzaURrVVNFRFB4bmJ5cE55NnA1Rlg0VEJ1YzlLcGc5WGlvVjhHTm01b2xqbnZacnptV2VLQ2ZTa1hhdm0?oc=5) · Orange County Business Journal
- 2019-12-05 [The Black vs Barth saga continues: RE mogul files another suit against ex-partner - The Real Deal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaVg2dTdyZmdvQWk0bGd0aFVMbTJLMVEtRnhNVmV3dnNnSU83Wm93c1RCTlVGSmxBNHlGQnhHdDBmdFIwQ3BYU3JsLWVOeGJkMVZMaDZjZ2hmZVQySXFmNzRmd0pmMTd5UUdqLS11cGdPOEVuemR5QlBWbjE0azhzX04wWkpBY0pYMjZoTXMwdFVDRjFnQ0pibjlrc2Y3ekFQT1FLRVc4UG5LVXE5SnAzdHhWWS1iV1pxNTBF?oc=5) · The Real Deal
- 2021-10-12 [Galen Greer Obituary (2002) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxONkxwMmh4VWgzX2lZN2JFcmJNWUMyZWJSTEk3c0JPYjQ2N3c4LUNNXy12TjVOU3h4bXladzh4Y3JWejktQk55RHNFcTVmT1VxUUlkYkpldnpOUzN4WGtwekN0QmVwVE1zS19SbHpHTHBRaExTWnVlNmhTNXZPZEVmM2ZIWDZmZ3kxdExuejFsSQ?oc=5) · legacy.com
- 2019-02-27 [Bobbie Hale Obituary - Bakersfield, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPV1VfcnZkX3NGaXRSX3JlTUYtTUlOdDZnTVlBOW5ISHZjZHdFRF9HQVRyZ2ZURlNJUEdYZGJYeVJLcWtMQ3ctdkVZLVEtazN3dURKeGJjeHJhZGhWS2E2eHB5Q3pXbUNmSGczQzVmOXlDeGRSSVZ5NGgyU2ZWNzF5dGhZTQ?oc=5) · Dignity Memorial
- 2024-07-23 [Earl Johnson Obituary (1949 - 2024) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQY2tuUmYtVWZuM21QNGtPZjl1YzJSTGdYUlN5SGdVMkUyZmRwVWh2ejJFRjlsYXdjYzJOdHV5WkFVZzJRT1NIZGJOUzNzcVBqeVB1blBwZ2ZXdTlYdVBMTmZyTW1HMmZkcHRuZFpsLVdBZldiVmJtTmdET1JBNi1ISVhkdjN0b2lrSm5YV05HXzc?oc=5) · legacy.com
- 2024-07-19 [Earl Johnson Obituary (2024) - Bakersfield, CA - Doughty Calhoun O'Meara Funeral Home - Bakersfield - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUlVFUXVIdmFhUmRkNkM5cDN3Q21uZlMxcWJ3QXZTbElXLU1ZQW5QdVdja2dZXy1PZ1FrQkQxTWlCS2lrUm00OVI0TGhJZEZfYmFSYmFOZDV3dF9VeDZ6bTB4Y2s2RFlibDY2ckl4M2d1czU0Z1ZpLWJzS2JIajNIWA?oc=5) · legacy.com
- 2021-11-06 [Mary Skinner Obituary (2004) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPMjhRZFgtdGVmc2gxWmVSVk8tNUM4VnhILUtBeDZQTFNxaDNGUmNCVklpal9tbzZaUFlhamhiNjZWb05qMjI4Q0pYWFZJSEFGMXVuaVI5ZjIzZnI3NjUxUzRHUEhlVFljSEwybGRieWFRNnlKT0U2NFg0SjBTME5XaURoTU1ZelZyOXdyUGRWVEk?oc=5) · legacy.com
- 2014-12-07 [Judith Penney Obituary (02/02/1940 - 11/26/2014) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZnlJS2V3Rk1fRk53VFBUWXBPMC1iVUJhSGZDQnkwbGcxVDdVSjZlVVdJUm5DWE50X3JzbGg4dlZqcGk3QXhCNE14Ui1wUUpzXzdQZUZGZGtGdUR3MGZwYkJmRkpvVmVodUdiVlNUY2ZDMUhWNGRWWmVWRGhGNEV1ZVBIcnBrUU1WbVZZUEdxMk92dw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58663 (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/39.json (key "58663", 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