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Overview / Commentary
111 Mission Street
Santa Cruz, CA 95060

Lighthouse Bank is headquartered in Santa Cruz and is the 163rd largest bank in the state of California. It is also the 3,527th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 21 employees at 1 location. Lighthouse 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 Lighthouse Bank had $349,000 in non-current loans and owned real-estate with $26.39 million in equity and loan loss allowances on hand to cover it. This gives Lighthouse Bank a Texas Ratio of 1.32% 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 Lighthouse Bank decreased slightly from 1.54% as of March 31, 2013 to 1.32% as of March 31, 2014, resulting in a positive change of 14.18%.This indicates that the balance sheet and financial strength for Lighthouse Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Lighthouse Bank has decreased its total deposits by -$3.62 million, resulting in -2.57% 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 Lighthouse Bank has shown is below 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. Lighthouse Bank has $162 million in assets with $26.39 million in equity, resulting in a capitalization level of 16.29%, which is excellent.

Institution Statistics

FDIC Certificate #58646
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$162.00 million
Loans$107.39 million
Deposits$137.52 million
Equity Capital$23.51 million
Loan Loss Allowance$2.88 million
Real Estate Owned$349,000
Historic Data - March 2013
Assets$163.20 million
Equity Capital$21.14 million
Loan Loss Allowance$2.87 million
Real Estate Owned$370,000
Profit Margin - Quarterly
Return on Assets1.49%
Return on Equity10.28%
Interest Income$2.00 million

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Lighthouse Bank Savings Account Rates

0.25%--Personal Savings
0.25%--Personal Overdraft Savings
0.25%--Business Savings
0.25%--Business Overdraft Savings
0.10%--Attorney-Client Trust

Lighthouse Bank Money Market Rates

0.25%$50k-Personal Money Market
0.25%$50k-Business Money Market

Lighthouse Bank Checking Account Rates

0.10%--Personal Interest Checking
0.10%--Business Interest Checking
0.10%$5k-Premier Nonprofit Interest Checking
0.10%--Corporate Checking

Lighthouse Bank CD Rates

1.26%$10k-60 Month CD
1.16%$90k-48-59 Month CD
1.01%$90k-36-47 Month CD
0.70%$90k-24-35 Month CD
0.40%$10k-12-23 Month CD
0.35%$10k-180-364 Day CD
0.15%--30-89 Day CD
0.15%--90-179 Day CD

Lighthouse Bank IRA Rates

1.26%$10k-60 Month IRA
1.16%$90k-48-59 Month IRA
1.01%$90k-36-47 Month IRA
0.70%$90k-24-35 Month IRA
0.40%--12-23 Month IRA
0.35%$10k-180-364 Day IRA

Lighthouse Bank Locations
Lighthouse Bank111 Mission StreetSanta Cruz, CA 95060