This institution is no longer active

Operations ceased on March 1, 2024. CRA examination history below reflects the period it was active.

LUTHER BURBANK SAVINGS

SANTA ROSA, CA · Supervised by FDIC

Est. 1982FDIC #32,178RSSD: FDIC-32178

Part ofLUTHER BURBANK CORP→ View all charters

Outstanding Up

Current rating · Exam: August 2021

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

500 3rd St, SANTA ROSA, CA

County

Sonoma County

Established

January 1, 1982

Total Assets

$8.2B(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

August 1, 2021

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2023Call Report / FDIC

Total Assets

$8.2B

Total Deposits

$5.9B

Net Loans

$6.8B

Net Income

$24M

ROA

0.29%

Below avg for Community banks. Peer avg: 0.90%

ROE

2.85%

Risk-Based Capital

22.52%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.29%Peer avg: 0.90%▼ Below avg

Risk-Based Capital22.52%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate21.37%Peer avg: 9.91%▼ Below avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	393	58.27%	21.37%
2022	1,927	73.22%	10.95%
2021	1,493	78.23%	10.38%
2020	1,163	70.85%	21.15%
2019	1,507	70.14%	23.22%
2018	1,775	74.54%	18.65%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 2 exams

Exam Date	Rating	Exam Type
Aug 2021	Outstanding	Large Bank
Sep 2018	Satisfactory	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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