# ICON BUSINESS BANK
RIVERSIDE, CA · FDIC certificate 59314 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $155.5M | |
| Deposits | $129.2M | |
| Loans and leases | $122.7M | |
| Total equity | $18.6M | |
| Loans / deposits | 93.89% (p86 of band) | 73.59% |
| Liquid assets / assets | 18.15% (p17 of band) | |
| Uninsured deposits / deposits | 56.74% (p98 of band) | 19.81% |
| Brokered deposits | 0.58% | |
| Wholesale funding | 1.86% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.94% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -0.12% (p89 of band) | -6.57% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | -0.88% (p3 of band) | 1.17% |
| Net interest margin | 4.39% (p72 of band) | 3.93% |
| Efficiency ratio | 118.37% (p97 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p81 of band) | |
| Reserve coverage of noncurrent | 543.07% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $16.7M (13.64% of loans; DQ 2.68%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-09 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2023-12 | 4 | loans exceed deposits | uninsured deposits >50% |
| 2024-03 | 6 | capital falling, charge-offs p90, auto book souring | NIM <2.5% |
| 2024-06 | 6 | uninsured deposits >50% | loans exceed deposits |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 5 |  | auto book souring |
| 2025-06 | 5 |  |  |
| 2025-09 | 6 | auto book souring |  |
| 2025-12 | 6 | run vulnerability | auto book souring |
| 2026-03 | 5 | loans exceed deposits | capital falling, charge-offs p90 |
| 2026-06 | 5 | deposits shrinking | loans exceed deposits |

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

- 2023-12-28 [For startup banks, 2023 was an up-and-down year - American Banker](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZGdwYmxNcU9HLV9BYU56MHlYX1o2SV9lbTJ4T2UzMEtMR2doMng5MzBDZW5uUW5yQUFCTkhycUdXM3V5RjdsZG9YMFdzcjlqbzZLTTFxcUtOcmpyTGZ1dzdlMTNRVXhGMXVxTnVhUm9Jc0FkQVJyU25Rb3F3cnNUaXJrTW5zQUprREE?oc=5) · American Banker
- 2022-10-13 [Monthly Bulletin – October 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MRDhWV3hTaldJQmJFaWppSTYwNENRS0Fvci10SGVuV2hqUkEtSTVnV0llNGhhLUFPaEs1SlZ4ZVZNUGNHWFZJbUVxMTl1OGQ0V3dkSXZRRXIwdEIydTJhbFhKczliT210YkNBZ2lPa3V6NHBzTzdRQXktYVlrUQ?oc=5) · The Department of Financial Protection and Innovation (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59314 (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/50.json (key "59314", 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