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Overview / Commentary
905 Sutter Street, Suite 100
Folsom, CA 95630

Folsom Lake Bank is headquartered in Folsom and is the 174th largest bank in the state of California. It is also the 3,881st largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 22 employees at 3 locations. Folsom Lake Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Folsom Lake Bank had $3.91 million in non-current loans and owned real-estate with $15.48 million in equity and loan loss allowances on hand to cover it. This gives Folsom Lake Bank a Texas Ratio of 25.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Folsom Lake Bank decreased slightly from 34.79% as of March 31, 2013 to 25.28% as of March 31, 2014, resulting in a positive change of 27.35%.This indicates that the balance sheet and financial strength for Folsom Lake Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Folsom Lake Bank has decreased its total deposits by $-673,000, resulting in -0.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Folsom Lake Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Folsom Lake Bank has $140.48 million in assets with $15.48 million in equity, resulting in a capitalization level of 11.02%, which is excellent.

Institution Statistics

FDIC Certificate #58503
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$140.48 million
Loans$75.93 million
Deposits$113.26 million
Equity Capital$13.85 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$3.58 million
Real Estate Owned$334,000
Historic Data - March 2013
Assets$132.28 million
Equity Capital$13.46 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$3.58 million
Real Estate Owned$574,000
Profit Margin - Quarterly
Net Interest Margin3.66%
Return on Assets0.66%
Return on Equity6.85%
Interest Income$1.32 million

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Folsom Lake Bank Locations
Roseville Branch2233 Douglas Blvd., Suite 300Roseville, CA 95661
Folsom Lake Bank905 Sutter Street, Suite 100Folsom, CA 95630