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This institution is no longer active

Operations ceased on June 19, 2007. CRA examination history below reflects the period it was active.

SOUTH BAY BANK

TORRANCE, CA · Supervised by FDIC

Est. 1982FDIC #23,786RSSD: FDIC-23786
Part ofFIRST CA FINANCIAL GROUP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

2200 Sepulveda Boulevard, TORRANCE, CA

County

Los Angeles County

Established

April 28, 1982

Total Assets

$254M(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

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 2007Call Report / FDIC

Total Assets

$254M

Total Deposits

$155M

Net Loans

$208M

Net Income

$655K

ROA

1.07%

ROE

9.65%

Risk-Based Capital

10.58%

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 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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