This institution is no longer active

Operations ceased on June 9, 2006. CRA examination history below reflects the period it was active.

SOUTHWEST COMMUNITY BANK

ENCINITAS, CA · Supervised by FDIC

Est. 1997FDIC #34,410RSSD: FDIC-34410

Part ofSOUTHWEST COMMUNITY BCORP→ View all charters

Satisfactory Same

Current rating · Exam: November 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.62%

Institution Profile

FDIC BankFind

Address

277 North El Camino Real, ENCINITAS, CA

County

San Diego County

Established

December 1, 1997

Total Assets

$648M(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

November 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 21 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 Q1 2006Call Report / FDIC

Total Assets

$648M

Total Deposits

$585M

Net Loans

$306M

Net Income

$3M

ROA

1.62%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.52%

Risk-Based Capital

14.76%

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).

ROA1.62%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.76%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 2 exams

Exam Date	Rating	Exam Type
Nov 2004	Satisfactory	Small Bank
Jan 2000	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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