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Overview / Commentary
1060 West Foothill Boulevard
Upland, CA 91786

Golden State Bank is headquartered in Upland and is the 198th largest bank in the state of California. It is also the 4,886th largest bank in the nation. It was established in 2003 and as of June of 2014, it had grown to 27 employees at 2 locations. Golden State Bank has a B health rating.

Reviews (1)

Very Unorganized

Bank has a high turnover of personel which makes it hard to do business with them. One hand never knows what the other hand has or had promised which causes much frustration in dealing with them. I had directors telling me that the bank was working with me and willing to help with the modification of the loan due to the down turn in the economy. All the while the bank officers were in the midst of foreclosing, which by the way was the best thing for me since now the headaches are gone and they now have them! During the whole process that I was working with them, I saw four different loan officers and none of them knew what the last one was doing to supposedly help me. I am now with a bank that assigns a loan officer to me and she is the only contact that I deal with. Maybe Golden State needs to learn from their mistakes and listen to their customers every once in a while!


Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Golden State Bank has a relatively low asset base.

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 June 30, 2014 Golden State Bank had $8.26 million in non-current loans and owned real-estate with $14.79 million in equity and loan loss allowances on hand to cover it. This gives Golden State Bank a Texas Ratio of 55.88% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Golden State Bank decreased dramatically from 162.47% as of June 30, 2013 to 55.88% as of June 30, 2014, resulting in a positive change of 65.61%.This indicates that the balance sheet and financial strength for Golden State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Golden State Bank has increased its total deposits by $2.02 million, resulting in 2.64% 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 Golden State Bank has shown is above 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. Golden State Bank has $91.97 million in assets with $14.79 million in equity, resulting in a capitalization level of 16.08%, which is excellent.

Institution Statistics

FDIC Certificate #57585
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$91.97 million
Loans$51.83 million
Deposits$78.48 million
Equity Capital$13.18 million
Loan Loss Allowance$1.61 million
Unbacked Noncurrent Loans$2.99 million
Real Estate Owned$5.28 million
Historic Data - June 2013
Assets$81.39 million
Equity Capital$4.60 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$2.99 million
Real Estate Owned$5.39 million
Profit Margin - Quarterly
Return on Assets-1.25%
Return on Equity-10.63%
Interest Income$1.77 million

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Golden State Bank Locations
Golden State Bank1060 West Foothill BoulevardUpland, CA 91786
Brea Branch403 W. Imperial Highway, Suite DBrea, CA 92821