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This institution is no longer active

Operations ceased on November 23, 2004. CRA examination history below reflects the period it was active.

FRANKLIN THRIFT & LOAN ASSOCIATION

ORANGE, CA · Supervised by FDIC

Est. 1980FDIC #26,314RSSD: FDIC-26314
Outstanding Up

Current rating · Exam: July 1998

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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 -4.76%

Is this bank safe?

FRANKLIN THRIFT & LOAN ASSOCIATION earned an Outstanding CRA rating (1998), shows financial metrics that merit closer review (ROA -4.76%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

171 South Anita Drive, ORANGE, CA

County

Orange County

Established

November 6, 1980

Total Assets

$2M(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

July 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 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 2004Call Report / FDIC

Total Assets

$2M

Total Deposits

$501K

Net Loans

—

Net Income

$-79K

ROA

-4.76%

Below avg for Small banks. Peer avg: 0.44%

ROE

-5.56%

Risk-Based Capital

384.82%

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-4.76%Peer avg: 0.44%▼ Below avg
Risk-Based Capital384.82%Peer avg: 23.03%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jul 1998OutstandingSmall Bank
Jun 1995SatisfactoryNot Reported
Apr 1993SatisfactoryNot Reported

1 previous rating 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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