🏦Bank Scorer

MALAGA BANK F.S.B.

PALOS VERDES PENINSULA, CA · Supervised by OTS

Est. 1985FDIC #32,282
Satisfactory Same

Current rating · Exam: June 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

2514 Via Tejon, PALOS VERDES PENINSULA, CA

County

Los Angeles County

Established

March 8, 1985

Total Assets

$1.4B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

June 2, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 17 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$941M

Net Loans

$1.2B

Net Income

$6M

ROA

1.74%

ROE

10.57%

Risk-Based Capital

28.01%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.59%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$928M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247984.81%7.59%
20235184.31%7.84%
202210379.61%19.42%
202116080%16.88%
202013576.3%17.78%
201917485.06%11.49%
201811890.68%7.63%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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