This institution is no longer active

Operations ceased on January 14, 2000. CRA examination history below reflects the period it was active.

PENINSULA BANK OF SAN DIEGO

SAN DIEGO, CA · Supervised by FDIC

Est. 1975FDIC #21,945RSSD: FDIC-21945

Satisfactory Same

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.02%

Institution Profile

FDIC BankFind

Address

1331 Rosecrans Street, SAN DIEGO, CA

County

San Diego County

Established

March 7, 1975

Total Assets

$491M(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

October 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q4 1999Call Report / FDIC

Total Assets

$491M

Total Deposits

$453M

Net Loans

$300M

Net Income

$5M

ROA

1.02%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.33%

Risk-Based Capital

11.40%

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).

ROA1.02%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.40%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 1999	Satisfactory	Large Bank
Sep 1997	Satisfactory	Small Bank
Oct 1995	Outstanding	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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