This institution is no longer active

Operations ceased on October 18, 2019. CRA examination history below reflects the period it was active.

LIGHTHOUSE BANK

SANTA CRUZ, CA · Supervised by FDIC

Est. 2007FDIC #58,646RSSD: FDIC-58646

Satisfactory Same

Current rating · Exam: April 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.58%

Institution Profile

FDIC BankFind

Address

2020 North Pacific Avenue, SANTA CRUZ, CA

County

Santa Cruz County

Established

October 29, 2007

Total Assets

$322M(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

April 1, 2019

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 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 2019Call Report / FDIC

Total Assets

$322M

Total Deposits

$277M

Net Loans

$221M

Net Income

$4M

ROA

1.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.10%

Risk-Based Capital

16.82%

Below 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).

ROA1.58%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.82%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 2019	Satisfactory	Small Bank
May 2013	Satisfactory	Small Bank
Feb 2010	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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