# WEDBUSH BANK
LOS ANGELES, CA · FDIC certificate 58706 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $225.9M | |
| Deposits | $196.6M | |
| Loans and leases | $120.5M | |
| Total equity | $26.5M | |
| Loans / deposits | 60.40% (p37 of band) | 68.03% |
| Liquid assets / assets | 45.91% (p69 of band) | |
| Uninsured deposits / deposits | 17.21% (p70 of band) | 12.24% |
| Brokered deposits | 0.89% | |
| Wholesale funding | 0.89% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.55% (p67 of band) | 10.34% |
| Unrealized securities loss / equity | 3.11% (p91 of band) | -0.15% |
| AOCI / equity | -4.83% (p0 of band) | |
| ROA (annualized) | 2.14% (p95 of band) | 0.74% |
| Net interest margin | 2.72% (p11 of band) | 3.59% |
| Efficiency ratio | 154.63% (p99 of band) | |
| Noncurrent loans | 0.16% (p22 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p42 of band) | |
| Reserve coverage of noncurrent | 926.74% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 0.00% (p7 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 | -10.1% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 3 | expense ratio p90, assets shrinking |  |

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

- 2019-05-28 [Robinhood on track for at least $7 billion valuation with upcoming funding round - CNBC](https://news.google.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?oc=5) · CNBC
- 2012-01-06 [Executive Moves In Wealth Management - December 2011 - Family Wealth Report](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQXZ4bjd3UnR3a2lkdzdNQ0FJZ01UZmRFcmdXRjJuakpVNnltYUJ1VzVOQVdyaWU4Z3Z4QVBxdzlMckpUa3RtUWhidnp2RkVWTWpMR0xUMU9uNFNnYXh0QnlqdXB2RjhmRGIxWTEyTTlPd3JXUDcwQUYyTWJxcHhBbUVjYVJzTDRMZjQtTUtFQkhRM2xWNjg3RHNYbkc4X3EtTzZSUElnNzQ?oc=5) · Family Wealth Report
- 2019-07-22 [Robinhood lands a $7.6 billion valuation after recent funding round - CNBC](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMWt6eEJhNWxUZjQ0d1F3MlVuZXRHVUtQV3N5bVkzcGl4T1ZPcXlWSGRaS1BXZEZyX0ZxMXFURGREOEtvY0I5Vk9vWnlKRXZHMWw0ZmRJVmx3YlFnNkFLTncwNFFKeXlrQ1dTOXdWZzlfdWdDUW4yZjRMYWx0dVJfeXZaVWFjeFdSWm4wbGV3T3NQX1dBZlhhWEU0bEhhUmtybXh4U2dBSUlERFXSAbABQVVfeXFMTVVIRlRvazU2Yjd4RjdpRy1NQ0FDR3RxVmt1WWtSa0pDbEhrWFVqbF9tN2FBVkVMV3o5MnNOQ3hCbDFIam1LQkdxak1uYXp2SkJpcUk2a1VFdURydVgzSTFjcGpyOUE3SVpFS0JKQjBkRHo1VXNxc3lQUjZnX3h2ZFpCQVhmU29lWHoyYUZNY2Vud1pveGpacXBUZUFaOEhiNFRkX2ZIcFo0aGN4RVlvTkI?oc=5) · CNBC
- 2019-07-25 [Robinhood warns some users to change passwords after revealing they weren't encrypted - CNBC](https://news.google.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?oc=5) · CNBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58706 (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/18.json (key "58706", 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