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This institution is no longer active

Operations ceased on July 28, 1995. CRA examination history below reflects the period it was active.

PACIFIC HERITAGE BANK

TORRANCE, CA · Supervised by FDIC

Est. 1981FDIC #23,319RSSD: FDIC-23319
Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -6.00%

Institution Profile

FDIC BankFind

Address

3440 Torrance Boulevard, TORRANCE, CA

County

Los Angeles County

Established

January 16, 1981

Total Assets

$148M(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

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q2 1995Call Report / FDIC

Total Assets

$148M

Total Deposits

$146M

Net Loans

$96M

Net Income

$-4,566K

ROA

-6.00%

ROE

-278.95%

Risk-Based Capital

0.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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