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This institution is no longer active

Operations ceased on June 30, 2024. CRA examination history below reflects the period it was active.

SILVERGATE BANK

LA JOLLA, CA · Supervised by FDIC

Est. 1988FDIC #27,330RSSD: FDIC-27330
Part ofSILVERGATE CAPITAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -55.83%

Institution Profile

FDIC BankFind

Address

4250 Executive Sq, LA JOLLA, CA

County

San Diego County

Established

August 26, 1988

Total Assets

$257M(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

February 1, 2012

Exam Type

Intermediate 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 Q1 2024Call Report / FDIC

Total Assets

$257M

Total Deposits

$2K

Net Loans

—

Net Income

$-36,743K

ROA

-55.83%

ROE

-75.16%

Risk-Based Capital

335.66%

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 Rate11.05%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201919055.26%11.05%
201821657.41%15.28%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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