This institution is no longer active

Operations ceased on July 28, 1995. CRA examination history below reflects the period it was active.

PACIFIC HERITAGE BANK

TORRANCE, CA · Supervised by FDIC

Est. 1981FDIC #23,319RSSD: FDIC-23319

Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -6.00%

Institution Profile

FDIC BankFind

Address

3440 Torrance Boulevard, TORRANCE, CA

County

Los Angeles County

Established

January 16, 1981

Total Assets

$148M(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

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 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 Q2 1995Call Report / FDIC

Total Assets

$148M

Total Deposits

$146M

Net Loans

$96M

Net Income

$-4,566K

ROA

-6.00%

Below avg for Small banks. Peer avg: 0.44%

ROE

-278.95%

Risk-Based Capital

0.72%

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).

ROA-6.00%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.72%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1995	Satisfactory	Not Reported
Jul 1993	Satisfactory	Not Reported
Aug 1991	Needs to Improve	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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