# INFINITY BANK
SANTA ANA, CA · FDIC certificate 59098 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $359.5M | |
| Deposits | $310.5M | |
| Loans and leases | $255.1M | |
| Total equity | $43.0M | |
| Loans / deposits | 80.94% (p48 of band) | 82.04% |
| Liquid assets / assets | 28.52% (p60 of band) | |
| Uninsured deposits / deposits | 61.10% (p98 of band) | 25.97% |
| Brokered deposits | 2.78% | |
| Wholesale funding | 3.06% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.03% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -5.03% (p63 of band) | -8.10% |
| AOCI / equity | 0.05% (p83 of band) | |
| ROA (annualized) | 1.48% (p63 of band) | 1.28% |
| Net interest margin | 5.40% (p97 of band) | 3.91% |
| Efficiency ratio | 57.07% (p37 of band) | |
| Noncurrent loans | 0.95% (p71 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p85 of band) | |
| Reserve coverage of noncurrent | 158.43% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 98.87% (p86 of band) | |
| Auto loans | $21.4M (8.40% of loans; DQ 0.88%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-03 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 |  | NIM <2.5% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 6 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 4 |  | brokered >10%, wholesale funding >15% |
| 2021-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | noncurrent p90, charge-offs p90, construction >100% equity | capital falling |
| 2022-06 | 5 | reserve under noncurrent |  |
| 2022-09 | 5 | capital falling | charge-offs p90 |
| 2022-12 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent, capital falling |
| 2023-03 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, uninsured deposits leaving | uninsured deposits >50%, charge-offs p90 |
| 2023-06 | 4 | charge-offs p90, deposits shrinking | brokered >10%, wholesale funding >15%, noncurrent p90 |
| 2023-09 | 4 | brokered >10% | deposits shrinking |
| 2023-12 | 4 | deposits shrinking | brokered >10% |
| 2024-03 | 1 |  | uninsured deposits leaving, charge-offs p90, deposits shrinking |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 3 | uninsured deposits >50% |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 3 | capital falling, reserve under noncurrent |  |
| 2026-03 | 2 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2026-06 | 1 |  | charge-offs p90 |

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

- 2025-10-27 [Infinity Bank President Thrives on Personal Touch - Orange County Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTGFwaFhfeWtZNWVtZ1h2UG9yZ3pkQkc1Z213cFFvWkxXci1SQ0JCaUlkRGkxQ05JbGpjYjk1dDBOMkRCTEpkV1ZEWWp3RVZZTHNvMWVFbDZ6NVRkUG9zbDl0WDh0NkdXY2F1eW94Qk5NSlBGY01IRXllNVJwZ2tBc0ZmVTdtUQ?oc=5) · Orange County Business Journal
- 2026-08-06 [Infinity Bank Santa Ana California: Infinity Bancorp Announces Second Quarter 2026 Financial Results - finanznachrichten.de](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPN1pkUnJUZDJJay1idjJPckEycmRwWUJyMXZfQV9jUnBRcmU5cE5wU18zN1RDRlZWa2lZWkVzUlQ2WEJXcGFVQ3JzS0plTzhfODlPSmNMUzc2ZVJYT1h2VDlpRTMxcmJUczlBTjdZT1Q2WjBnSFVfNkw3ZHQwUGxZN3BlZ0tsdEhRZWgwT3dDQWJNell3RDlkV05wRFNlazNJWFZ3TDVJYndodFZQYU5jM2FKcWd4d3M3M0Q3b25kYTVWQlg4a2owZFR4aVVVWWtpT3JMdjV6TGlmODl6MEtVZnh5aXVOM3p3UEJhdkpUS0FKZVpSZ3YtQko2X2xLdw?oc=5) · finanznachrichten.de
- 2026-07-30 [Infinity Bancorp Announces Quarterly Cash Dividend - WBOC TV](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNaVd6d0cwX3RFZnVQYzRaRE9VQnZPVWhTb0JGSVQ1bDBOZEduYmswLUs1SVE0Mkx1YVllYmtocjRxc29xSHkzREpON2hxRzRzTzBpTERObkRMd0dpV2VQc1lXMWJhX21Pd19udzhfd2hhMkZBamZkTUtPTm83d2ZJRzNJSFVxZURIbkV1b0tLQ0xsVW02VmRFTTVBcksyc0F3OWZZMkhrWkVOQWEtaDRXUElWbzRSQjZlbEt1THB3Mkl3TjVwUC1YNnp2dUFEU3lNMlRzd2FXeWQ0MURaVWRXR29BWlIzOWs?oc=5) · WBOC TV
- 2024-10-30 [Infinity Bancorp Announces Quarterly Cash Dividend - Yahoo Finance](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcDY5SVlpZzI4aGNacUlqckF2TWxiZFE1Sm9HZEpmb2dJWmQybUp2XzdtSFJYTWtHZXhUc2szYkR3RmY3LWo2UmVXellLZ25mY2QyblBWTDFQZWhwUEFRTFB1b2YwR0pNWFNoZ1c0U0ZlLVVmRXVoSVpnMlFNVHZqYzNiR1F1bDJWQnRMVEtHLVQ?oc=5) · Yahoo Finance
- 2025-04-24 [Infinity Bank (INFT) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE83V3pNU3U1NlNJUFQxTk9VZDgyel9paE5GZTZoMUtSR194aVpUazZmNWlDSGctNDdwLV80NnBKTlhzT0xHUTctWmdudHFKVXMxbW5n?oc=5) · stocktitan.net
- 2017-03-15 [Here comes the new wave of de novos - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxPV2hYdTNtcDNtc1VObHRlQ1BkM2hXc1dsNVNpcHlBQkhoNy1IRExZQy1iTVdROU9VX0dSX2lRb0VGNGp2aUxyMDNhTloxVW1qQzFuXzNGSl9TdldtNXR1bTFMVWl1STY2czBISnhXQndTYW0xdEdOSDRBR200aVQ2WGR3?oc=5) · American Banker
- 2018-02-08 [New Bank Opens in Santa Ana - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0tdmVQMkZNMVkwZEV5Ry1UMFE5ODFLYWRVM29nYks2a0xDOFkzS01keTdFVjNkVk8xNkUwLTJZQVlRVGwtUlFnNTd4VEdzS0swZHF0OGphMTl3OE9xTkdMR0M2SXU?oc=5) · Orange County Business Journal
- 2026-08-05 [Infinity Bancorp Q2 Results: Net income rises 6.2% QoQ - scanx.trade](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZGRVYkZ5WlYwUFk1MlJpQnFWbm52c0FYQ3l2WnU2ZjRXOHZtd3l3TExEdjFuVEdxM3RDQzZWYjZDWFpYenBtcWRUOXk4dF9ORnlyU3N1bW5MeGx1RDZtV0tyVHNTMjRoWlAzeHNVZTNUeHFTSldacDgwaDV2RGxzUWdaN3RIZVEwcEZ2SktfU2c0bVhMc2M3RWZhbXg5VDZjQWdTRVFpS2JoUnNBVXc?oc=5) · scanx.trade

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59098 (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/26.json (key "59098", 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