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This institution is no longer active

Operations ceased on November 23, 2004. CRA examination history below reflects the period it was active.

FRANKLIN THRIFT & LOAN ASSOCIATION

ORANGE, CA · Supervised by FDIC

Est. 1980FDIC #26,314RSSD: FDIC-26314
Outstanding Up

Current rating · Exam: July 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -4.76%

Institution Profile

FDIC BankFind

Address

171 South Anita Drive, ORANGE, CA

County

Orange County

Established

November 6, 1980

Total Assets

$2M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2004Call Report / FDIC

Total Assets

$2M

Total Deposits

$501K

Net Loans

—

Net Income

$-79K

ROA

-4.76%

ROE

-5.56%

Risk-Based Capital

384.82%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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