This institution is no longer active

Operations ceased on December 16, 2016. CRA examination history below reflects the period it was active.

SECURITY FIRST BANK

FRESNO, CA · Supervised by FDIC

Est. 2007FDIC #58,212RSSD: FDIC-58212

Satisfactory Same

Current rating · Exam: June 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

663 W Nees Avenue, FRESNO, CA

County

Fresno County

Established

February 12, 2007

Total Assets

$104M(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 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 2016Call Report / FDIC

Total Assets

$104M

Total Deposits

$86M

Net Loans

$80M

Net Income

$390K

ROA

0.47%

ROE

3.46%

Risk-Based Capital

15.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate5.64%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	390	82.05%	5.64%
2023	421	77.67%	9.50%
2022	566	78.45%	5.83%
2021	736	85.73%	4.08%
2020	1,045	85.65%	4.11%
2019	609	90.48%	2.63%
2018	408	88.73%	3.43%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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