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This institution is no longer active

Operations ceased on February 2, 1998. CRA examination history below reflects the period it was active.

PACIFIC BAY BANK

SAN PABLO, CA · Supervised by FDIC

Est. 1991FDIC #33,294RSSD: FDIC-33294
Satisfactory Same

Current rating · Exam: September 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.71%

Institution Profile

FDIC BankFind

Address

13830 San Pablo Avenue, SAN PABLO, CA

County

Contra Costa County

Established

January 25, 1991

Total Assets

$37M(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

September 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 Q4 1997Call Report / FDIC

Total Assets

$37M

Total Deposits

$34M

Net Loans

$28M

Net Income

$-274K

ROA

-0.71%

ROE

-8.22%

Risk-Based Capital

11.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

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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