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Rancho Santa Fe Thrift & Loan Association

Rancho Santa Fe Thrift & Loan Association
Overview / Commentary
760-736-2000
1001 West San Marcos Boulevard
San Marcos, CA 92078

Rancho Santa Fe Thrift & Loan Association is headquartered in San Marcos and is the 218st largest bank in the state of California. It is also the 6,504th largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 4 employees at 1 location. Rancho Santa Fe Thrift & Loan Association has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Rancho Santa Fe Thrift & Loan Association has a low asset base.

Texas Ratio

GRADE:
A+

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 Rancho Santa Fe Thrift & Loan Association had $13,000 in non-current loans and owned real-estate with $26.27 million in equity and loan loss allowances on hand to cover it. This gives Rancho Santa Fe Thrift & Loan Association a Texas Ratio of 0.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Rancho Santa Fe Thrift & Loan Association decreased dramatically from 0.20% as of March 31, 2013 to 0.05% as of March 31, 2014, resulting in a positive change of 75.11%.This indicates that the balance sheet and financial strength for Rancho Santa Fe Thrift & Loan Association has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Rancho Santa Fe Thrift & Loan Association has increased its total deposits by $452,000, resulting in 148.68% 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 Rancho Santa Fe Thrift & Loan Association has shown is excellent.

Capitalization

GRADE:
A+

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. Rancho Santa Fe Thrift & Loan Association has $27.24 million in assets with $26.27 million in equity, resulting in a capitalization level of 96.45%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25803
Year Established1982
Employees4
Primary RegulatorFDIC
Assets and Liabilities
Assets$27.24 million
Loans$6.84 million
Deposits$756,000
Equity Capital$26.09 million
Loan Loss Allowance$181,000
Unbacked Noncurrent Loans$13,000
Real Estate Owned$0
Historic Data - March 2013
Assets$27.34 million
Equity Capital$26.56 million
Loan Loss Allowance$100,000
Unbacked Noncurrent Loans$13,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.8%
Return on Assets0.93%
Return on Equity0.98%
Interest Income$281,000
Rates

Sorry, we do not have rate data for Rancho Santa Fe Thrift & Loan Association

Locations


Rancho Santa Fe Thrift & Loan Association Locations
Rancho Santa Fe Thrift & Loan Association1001 West San Marcos Boulevard, #140San Marcos, CA 92078