This institution is no longer active

Operations ceased on December 20, 2002. CRA examination history below reflects the period it was active.

EOSBANK

SAN MATEO, CA · Supervised by FDIC

Est. 1986FDIC #27,093RSSD: FDIC-27093

Outstanding Up

Current rating · Exam: March 2001

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -4.69%

Institution Profile

FDIC BankFind

Address

411 Borel Avenue, Suite 606, SAN MATEO, CA

County

San Mateo County

Established

January 2, 1986

Total Assets

$9M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 2001

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 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 2002Call Report / FDIC

Total Assets

$9M

Total Deposits

—

Net Loans

$6M

Net Income

$-2,498K

ROA

-4.69%

Below avg for Small banks. Peer avg: 0.44%

ROE

-33.06%

Risk-Based Capital

43.14%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-4.69%Peer avg: 0.44%▼ Below avg

Risk-Based Capital43.14%Peer avg: 23.03%▲ Above avg

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Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 2001	Outstanding	Wholesale/Limited Purpose
Sep 1998	Needs to Improve	Small Bank
Aug 1994	Satisfactory	Not Reported

2 previous ratings locked — 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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