This institution is no longer active

Operations ceased on December 31, 1997. CRA examination history below reflects the period it was active.

FLAGSHIP BANK, FSB

SAN DIEGO, CA · Supervised by OTS

Est. 1986FDIC #32,483

Outstanding Up

Current rating · Exam: March 1997

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At a Glance

Community Lending (CRA)

Outstanding

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

Is this bank safe?

FLAGSHIP BANK, FSB earned an Outstanding CRA rating (1997).

Institution Profile

FDIC BankFind

Address

4493 Ruffin Road, SAN DIEGO, CA

County

San Diego County

Established

July 18, 1986

Total Assets

$57M(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 31, 1997

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 29 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)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	18	77.78%	0.00%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Mar 1997	Outstanding	Small Bank
Apr 1995	Satisfactory	Assessment Factor
Jan 1993	Satisfactory	Assessment Factor

1 previous rating locked — 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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