# CORE BUSINESS BANK
BELLEVUE, WA · FDIC certificate 58720 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $62.4M | |
| Deposits | $55.2M | |
| Loans and leases | $33.2M | |
| Total equity | $6.4M | |
| Loans / deposits | 58.67% (p35 of band) | 66.54% |
| Liquid assets / assets | 46.17% (p68 of band) | |
| Uninsured deposits / deposits | 34.72% (p96 of band) | 11.77% |
| Brokered deposits | 2.66% | |
| Wholesale funding | 2.66% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p51 of band) | 10.04% |
| Unrealized securities loss / equity | 0.98% (p33 of band) | 2.48% |
| AOCI / equity | -0.03% (p68 of band) | |
| ROA (annualized) | 0.24% (p19 of band) | 0.72% |
| Net interest margin | 3.49% (p47 of band) | 3.55% |
| Efficiency ratio | 109.00% (p94 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.19% |
| Net charge-offs (annualized) | -0.19% (p3 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 65% | |
| Construction % of loans | 46.96% (p80 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 | 11.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | reserve under noncurrent |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 | capital falling | charge-offs p90 |
| 2012-03 | 0 |  | losing money, expense ratio p90, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | expense ratio p90 | capital falling |

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

- 2020-08-21 [New President, Staff Expansion Announced at Liberty Bank in Bellevue - 425business.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNSEhyM2FSY2NIOHR5SUIzT2RzRkw0WUFDdFgzZHhYUy1fdjdiRGlvcFc5ZV8yclhDek9pQnVkc2ZHR3dick9lQmpPRkdRRHR1cjRRQ1h0bDFoVDRFcTJPUFFQU0NNU2tkc2p1VVdCT2QzbUFta3I2bHp4RHlBdXVMWFZBMjFNTGIzN1FsTHIxa3o0X1I5VFYyTFduMlRGZW1IRUdwNm5VN2FnWnpPZzFaNXJZcmprOGlUTGdONkNrOThEekNYaDBiTS1FalJyRGZqS0NhY1d0SU1EVEpNSDJFZFFQZks?oc=5) · 425business.com
- 2026-02-10 [Lili Bank Account Review [2026]: One-Stop Shop for Small Business Banking Needs - FinanceBuzz](https://news.google.com/rss/articles/CBMiXEFVX3lxTE01bElTVzJnMW5oT2RxS1YtcGRZdDNCRXQ0VEhCaHJfc29xVTl4bXBiU0VPY3dsNzhEUGxJbnlhOXpqQWpyTGs5d3NWX3d1NmFrTVE3dmxVNTJzYjlQ?oc=5) · FinanceBuzz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58720 (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/32.json (key "58720", 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