Vineyard National Bancorp

Seeking to shore up its finances, federal regulators have ordered Vineyard National Bank of Corona to stop accepting so-called hot-money deposits that are considered too risky for the money-losing bank. Vineyard is among the growing group of Southland lenders battered by a wave of housing defaults, including mortgage giants Countrywide Financial Corp., which was acquired by Bank of America in January, and IndyMac Bancorp, which failed last month and was taken over by regulators.

Vineyard National Bancorp said Monday that housing-related losses and depositors' withdrawals have cast doubt on its future and it must raise substantial amounts of new capital to continue operations through this year. A major community bank with $1.8 billion in loans and $1.9 billion in deposits, the Corona company had specialized in financing home builders and issuing high-yielding certificates of deposit.