# BANK IRVINE
IRVINE, CA · FDIC certificate 59296 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $305.6M | |
| Deposits | $234.7M | |
| Loans and leases | $238.6M | |
| Total equity | $69.9M | |
| Loans / deposits | 100.42% (p89 of band) | 82.04% |
| Liquid assets / assets | 21.74% (p38 of band) | |
| Uninsured deposits / deposits | 53.60% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 22.76% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.97% (p30 of band) | 1.28% |
| Net interest margin | 3.34% (p21 of band) | 3.91% |
| Efficiency ratio | 52.97% (p24 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 42.9% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-12 | 5 | loans exceed deposits, uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2023-03 | 4 |  | NIM <2.5% |
| 2023-06 | 4 | capital falling | loans exceed deposits |
| 2023-09 | 2 |  | losing money, expense ratio p90 |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 0 |  | uninsured deposits >50% |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | loans exceed deposits, uninsured deposits >50% | capital falling |
| 2025-06 | 3 | run vulnerability |  |
| 2025-09 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2025-12 | 1 | uninsured deposits >50% | loans exceed deposits |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 3 | loans exceed deposits |  |

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

- 2023-06-06 [Could banking be entering a new era of startups? - American Banker](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRTI4XzdWc3ltcFFZY1dpSndTTWdXN0xXaFp3ekNscE1lTEQ1ODc3MUk4dGRNQ3Y4RjVwUk9jUEtLNTJYRTIwZTJlWG5kS0RJaHNpU3Q4b1hscjl1MGg3VEtmYkVVcGNfUlNXN0tvSTZKNVVQcmxWYVlBb3paaks4alJuRWNTeGRKN1B3?oc=5) · American Banker
- 2024-11-08 [Pacific Premier Bank consolidates Irvine HQ - L.A. Business First - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNekl5VDJPRW5iS1RET0t0LWppSVA1SllsSHNOQkxoQU1yLUNlWFRmVXJJSXZoOXhqQUpEOUI1cEpiUXB0b1BQdWxvNlYzRnFXWjlUV0ZzWS01RXRYUlV1ZVZ2LU9oVVJLb21PcWRGakNvZGVBZHk0ZGlLMjl1OVc0d3ZvTmd3ZjZRUVJrRTVkbE4wb0d3UEs5V0o0NTI2ZlNBUjZIaFhpQ2UtRXdsSHJF?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-12-06 [New Bank Targets Chinese Immigrants - Orange County Business Journal](https://news.google.com/rss/articles/CBMic0FVX3lxTE0zaUhScWtSSmVnYVhwNjB4VGZZVU8xOFRfQjR1Sll1RW8zcFY3bURlOHdTbl9qUVpJQUNHLWpaVGY1N0NJQlNwdXFvcmpWZWFXQWIzVXRmMU1KYmZ2Q0pDclFva0NMXzY3bDU5NGQyX3hKY2M?oc=5) · Orange County Business Journal
- 2018-01-11 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPakMtU01rdmNMd29XSm1tUHc2Z3IzbjhJYXFvTVNuRmJ0LTlhZFBvbUZlbXNWOGF0eTV0MklLTnBVcWd1TW5kT29MX2JrRUJPbWZkWl9kU3NIMXZ4emJMRUhieXBjRmFKV2lmQ2hmTVRYU2I3M25HczhCN1F4SzVjU3UzRGhJb1pxeFpyclNsRDlsX3ozS0NmdU5BTzRwVEVwZVJBVEF2akowSmFLREU0blBWeUt1Ym51cHdCUkNORWJFQmRIeE1CMUZEVXBTTV9tWXJhbVBzdW5FU0stdXBqSg?oc=5) · Federal Reserve Bank of San Francisco
- 2026-03-13 [Irvine Company Trades Pasadena Office for 32% Discount - Commercial Observer](https://news.google.com/rss/articles/CBMilgFBVV95cUxPV3BxYWdhMm5uNVNHb0p0Y0ZIckNobnVfb0FqbkJCYTZqTER3ZVpnOXR0YTY5UE1hVXV6S210YjZHM2FiX1huWDFPNWtseWp5blUxeWNIVU9FNk0wa2JUWkt1bjBhY3lBRkcydFJUbFJkZDhtZFJVSGdDOGlXS19ZY0V5RUI0bDdtUjlSLXA2MmhMUVlOWUE?oc=5) · Commercial Observer
- 2026-03-12 [Irvine Co sells downtown Pasadena office building at discount - The Real Deal](https://news.google.com/rss/articles/CBMiekFVX3lxTE9NYjVOeEN1NmZtUDN6RER6T2ROcG1rRzM4QVNKZGRrOVlZWlpodVFsc0NuSE1wa0lOTlFOTmo3N1FEaERxQ3Vfa3V3Z3ZBNDkyb3hsQk1BdEpvMVRreDUzRExLUlpaT2VpVFdOX3RNNDk5RFBnUHBtR3hB?oc=5) · The Real Deal
- 2020-08-23 [McKinsey alumnus Andrew Irvine leads NAB's largest division - Consultancy.com.au](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbENiY1YzczVRbENoNnZuWUdpTE1IbGdfcE9Bck4yU2swTWs1N2NrRmw2Q0dCZFZOSEd5NUxJMlR5VEluRUxlQUZqYnMxcUVkOVgzQ0F1dUUwMTdCN0hfZ09DMDZvLU1JUTF4bnNXYXRlem9pZ3NNel9ydnltTldicmhKWHBuZDdIUXpjUjdaR215MlRpVUd5UUt6dVJ5YldT0gGmAUFVX3lxTE84U2x6Qjk3NHpJeVZkd2pjMUtCZ1VXX3NpQWozVlZmTzk1eFpUVmh6S1E0YklISFVILXF6Y3oyM0d0dW9ha0RWNWdfbFU3U3BTLThUR1NyWmVPUDVlNGFzSURieTVjOUE2OUxYb2tTSElOSVpHemZQTWY0V3VYZXM3WVMtdUh0aDE0bHkzaS1tMXBpZVdMMmNfM2VFS05EOFBpNzhpZVE?oc=5) · Consultancy.com.au

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59296 (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 "59296", 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