# SUNCREST BANK
VISALIA, CA · FDIC certificate 58728 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $1.40B | |
| Deposits | $1.21B | |
| Loans and leases | $787.3M | |
| Total equity | $179.0M | |
| Loans / deposits | 64.41% (p31 of band) | 73.47% |
| Liquid assets / assets | 38.91% (p68 of band) | |
| Uninsured deposits / deposits | 49.07% (p80 of band) | 33.32% |
| Brokered deposits | 1.07% | |
| Wholesale funding | 1.32% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p59 of band) | 9.53% |
| Unrealized securities loss / equity | 3.79% (p95 of band) | -0.38% |
| AOCI / equity | -3.01% (p26 of band) | |
| ROA (annualized) | 1.24% (p53 of band) | 1.21% |
| Net interest margin | 3.73% (p83 of band) | 3.23% |
| Efficiency ratio | 50.82% (p20 of band) | |
| Noncurrent loans | 0.51% (p64 of band) | 0.34% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 212.07% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 7.76% (p11 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 16.8% | |
| Employees | 99 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 | capital falling | noncurrent p90 |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | losing money, expense ratio p90 |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | reserve under noncurrent |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | capital falling | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |

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

- 2021-07-27 [Two of Valley’s largest banks announce merger plan - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxORUpsUGhWNU5MY1YxZkRodHRTVlZVZGdiLTIwejFaSHBZYl9aeTljR3Exa3RGZ2x1SWdZV2lsVGV3SVprbEZPWHVEN0JOWWYyMHp2X29kOE4tcS10VVZaaXpLb2xYTGdpbHozZFpSclJpc2RLSWRNOHczNDRqYVlGVmYxcTh0Vkx3?oc=5) · thebusinessjournal.com
- 2017-11-08 [Suncrest to expand in central California with latest bank deal - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWk9DejR4S2RRUTdxMVNybFUtMEZXUmtLOF9GMlBpQUFHQ0RQUl9CQXFNdlVZUHc1SU5PN0wxb25SRVhPNG5YZjFQcUdlcWJwRWpPNzNuTGQtNlVySFRRMEF3RjF0b2xZZlNGbTRKaEQ1Z0o3SWpMZmJjNkw2V3FyQ19XSEdKcHlTTUVkY0ZlQmh2UmdfMnhadFhJa1JqLWc?oc=5) · American Banker
- 2021-08-09 [CVB Financial Pays $204 Million for Visalia-Based Sunscrest Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZDlaRjlJZkIzWklkSHRzUzBhdUhSM19PTExha2psN1ZGanpDWjByZ2p2a05aUnFNS2tRZENQcXk1NU9vQW90WGNYODE0ekdRcVJZX0tvZllmY3F1REpSMUtwVTdiY3AtLU5KeER1YjNhT3E0QWYzOFExZUZERXhIRm5ic0QzZ2R1S0E?oc=5) · Los Angeles Business Journal
- 2022-01-10 [Citizens Business Bank completes Suncrest Bank merger in $237 million deal - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQY0RVdTZfNW04RE5wUGFIVERramN5VjdabERYejMySTZKZ3Y0SVlpR1ZDeXZsNHpHY20zek4zdmdiNHE3WGhRVGpscEF5WFI2bUgyaTZCNTNDMHdYUFBYekpwU2FpWWJUd0tGRjNDVnh0MnR1TWhiWEtFY0FsdHI4aGY2Tm1SWnB5bDE4VzZnRmQ2dkl3UFNtTVRKbnpfSlk?oc=5) · The Business Journals
- 2021-11-30 [Citizens Business Bank Receives Regulatory Approvals to Acquire Suncrest Bank - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxPbG9pQzBXM2I1blRlbGhvcm9PTFNBUEJQN19vRHBTV1ZMMmxNRmlZU0Y2RF8wWTFuMGVVQllQSkpEdEt0SElYd2JwLTA2U0d3SHNOZnM3LVY2WTJSYzBJUUhEVV81SjZRb1NtU0k1NExpblB0RTZtcHNvQnhNTGF2TmtJNmNrWGJSY0x2dUZqQllyTVcyMHgwWTAxOXdxWDJsRTNPZmI0b2VITFpHdm42Vkt2VlBfVFE?oc=5) · citybiz
- 2024-11-08 [Monthly Bulletin – February 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwQzB0aFBfNTcxdXh6YVlpT3lnbXdZbk8wRUtTM3daakN3UEhiU0JxOFBQQlA5WVZJV3RsSVU1OTZNVUtpck05a0VkTDh2VTdzNjAwVV9EUEhrVXUwRnFuZU51cUc4SVdTcXRaWDJtVjFjRk83bExqNy1OY1B2ajA?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2015-04-10 [Suncrest Bank adds to top leadership team - recorderonline.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQZkl4dFVfVkZYMEYwbFdqVVVOWS1rSTVacU8wVDNTQndsWjRxVFAxU3hfRHU2U1BwSUZRR3BpWFZaWnJ2VWtsOG05OEdoZFJDdExCRm9iOVc0amlvbWE2ZEtLZEd0TlM5RnJqY05JQ1RSb09sT2t3eDhvclFRcWlKMzZndjZmN1I2OERobWZKTktYdURUdkg4TzdZYTNCd2tBX1Rock15UDg0dGZWaDhYZ1VDRXVDZG92QnVpd09Yei1fTWJ4akE?oc=5) · recorderonline.com
- 2017-11-08 [Visalia’s Suncrest Bank, Sacramento bank to merge in $62.5M deal - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPcTVoY3RrWW8zNjNCbV9MWU1ZTC11VVl5bUg0R2xsUEJfb0dHTnFhU2M0b05SdG53cEdJMlRMY1Y1TkZoaFMyUEpxWWVTUG9RdXVPNWZMZ1lINDBldkhsWlVtUndVOXNmZnZVMnhJSi1idld5bVlzUWpWZFY5VmV5R243dGdTWHluT3EtY3Z6OFQ?oc=5) · thebusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58728 (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/40.json (key "58728", 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