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Overview / Commentary
355 South Grand Avenue. Suite 2400
Los Angeles, CA 90071

Grandpoint Bank is headquartered in Los Angeles and is the 29th largest bank in the state of California. It is also the 320th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 338 employees at 18 locations. Grandpoint Bank has a A+ 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 Grandpoint Bank had $21.74 million in non-current loans and owned real-estate with $320.62 million in equity and loan loss allowances on hand to cover it. This gives Grandpoint Bank a Texas Ratio of 6.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Grandpoint Bank experienced no significant changes from 2.74% as of March 31, 2013 to 6.78% as of March 31, 2014, resulting in a negative change of 147.66%. This indicates that the balance sheet and financial strength for Grandpoint Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Grandpoint Bank has increased its total deposits by $1.21 billion, resulting in 150.06% 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 Grandpoint Bank has shown is excellent.



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. Grandpoint Bank has $2.34 billion in assets with $320.62 million in equity, resulting in a capitalization level of 13.73%, which is excellent.

Institution Statistics

FDIC Certificate #58390
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.34 billion
Loans$1.75 billion
Deposits$2.02 billion
Equity Capital$308.71 million
Loan Loss Allowance$11.91 million
Unbacked Noncurrent Loans$18.47 million
Real Estate Owned$3.27 million
Historic Data - March 2013
Assets$942.91 million
Equity Capital$130.28 million
Loan Loss Allowance$5.92 million
Unbacked Noncurrent Loans$18.47 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.39%
Return on Assets0.61%
Return on Equity4.6%
Interest Income$24.08 million

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Grandpoint Bank Locations
Orange Branch1045 West Katella AvenueOrange, CA 92867
Brentwood Branch11661 San Vicente BoulevardLos Angeles, CA 90049
Encino Branch16861 Ventura Boulevard, Suite 100Encino, CA 91436
South Bay Branch1960 East Grand Avenue, Suite 1200El Segundo, CA 90245
Irvine Branch2600 Michelson DriveIrvine, CA 92612
Grandpoint Bank355 South Grand Avenue. Suite 2400Los Angeles, CA 90071
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