MALAGA BANK F.S.B.

PALOS VERDES PENINSULA, CA · Supervised by OTS

Est. 1985FDIC #32,282

Satisfactory Same

Current rating · Exam: June 2009

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.74%

Institution Profile

FDIC BankFind

Website

www.malagabank.com

Address

2514 Via Tejon, PALOS VERDES PENINSULA, CA

County

Los Angeles County

Established

March 8, 1985

Total Assets

$1.4B(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

June 2, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 17 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$941M

Net Loans

$1.2B

Net Income

$6M

ROA

1.74%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.57%

Risk-Based Capital

28.01%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.74%Peer avg: 0.90%▲ Above avg

Risk-Based Capital28.01%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate7.59%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$928M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	79	84.81%	7.59%
2023	51	84.31%	7.84%
2022	103	79.61%	19.42%
2021	160	80%	16.88%
2020	135	76.3%	17.78%
2019	174	85.06%	11.49%
2018	118	90.68%	7.63%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2009	Satisfactory	Intermediate Small Bank
Dec 2004	Satisfactory	Small Bank
Jan 2002	Satisfactory	Small Bank

6 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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