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Overview / Commentary
619-437-1000
801 Orange Ave., Suite 101
Coronado, CA 92118

San Diego Private Bank is headquartered in Coronado and is the 112st largest bank in the state of California. It is also the 1,920th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 61 employees at 4 locations. San Diego Private Bank has a A+ health rating.

Reviews (1)

DISRESPECTFUL SENIOR VICE PRESIDENT

I HAD AN APPOINTMENT GIVEN TO ME BY THE SENIOR VP OF BUSINESS BANKING. HE WAS CONTACTED BY THE RECEPTIONIST ABOUT MY PRESENCE AND HE INFORMED ME THAT HE WILL BE AT THE BANK IN 5 MINUTES. I WAITED 30 MINUTES AND CALLED HIM ON HIS CELL WHICH HE NEVER ANSWERED MY CALL. I WALKED OUT AFTER 40 MINUTES WAITING.

WHEN A BANKER SETS AN APPOINTMENT HE SHOULD KEEP OR AT LEAST CALL TO SATE HE WILL BE LATE.

I WILL NEVER OPEN AN ACCOUNT WITH THIS BANK.



Health

Data for Q1 2014

Institution Health

A+

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 San Diego Private Bank had $711,000 in non-current loans and owned real-estate with $51.44 million in equity and loan loss allowances on hand to cover it. This gives San Diego Private Bank a Texas Ratio of 1.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, San Diego Private Bank has increased its total deposits by $151.06 million, resulting in 117.82% 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 San Diego Private Bank 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. San Diego Private Bank has $342.75 million in assets with $51.44 million in equity, resulting in a capitalization level of 15.01%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58291
Year Established2006
Employees61
Primary RegulatorFDIC
Assets and Liabilities
Assets$342.75 million
Loans$245.85 million
Deposits$279.27 million
Equity Capital$49.22 million
Loan Loss Allowance$2.22 million
Unbacked Noncurrent Loans$711,000
Real Estate Owned$0
Historic Data - March 2013
Assets$168.56 million
Equity Capital$29.12 million
Loan Loss Allowance$1.33 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.57%
Return on Equity3.87%
Interest Income$3.46 million
Rates

Always verify rates and promotions with the bank or credit union. We are not San Diego Private Bank, we are a rate comparison website and can not provide official rates or promotions.

San Diego Private Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Junior Savings
0.20%$300-Personal Savings
0.20%$300-Business Savings

San Diego Private Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$500k-Personal Money Market
0.35%$100k-Personal Premier Money Market
0.35%$500k-Business Money Market
0.35%$100k-Premier Business Money Market

San Diego Private Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$25k-Private Checking Plus
0.20%$25k-Premier Checking Plus
0.20%$25k-Business Interest Checking

San Diego Private Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.11%$1k-5 Year CD
1.01%$1k-4 Year CD
0.95%$100k-5 Year Jumbo CD
0.80%$1k-3 Month CD
0.80%$100k-4 Year Jumbo CD
0.60%$100k-3 Month Jumbo CD
0.50%$1k-2 Year CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.40%$100k-2 Year Jumbo CD
0.35%$100k-18 Month Jumbo CD
0.30%$1k-9 Month CD
0.30%$100k-12 Month Jumbo CD
0.25%$1k-6 Month CD
0.25%$100k-9 Month Jumbo CD
0.20%$100k-6 Month Jumbo CD
0.15%$1k-1 Month CD
0.15%$100k-1 Month Jumbo CD
0.10%$1k-3 Month CD
0.10%$100k-3 Month Jumbo CD

San Diego Private Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.11%$1k-5 Year IRA CD
1.01%$1k-4 Year IRA CD
0.95%$100k-5 Year Jumbo IRA CD
0.80%$1k-3 Month IRA CD
0.80%$100k-4 Year Jumbo IRA CD
0.60%$100k-3 Month Jumbo IRA CD
0.50%$1k-2 Year IRA CD
0.40%$1k-1 Year IRA CD
0.40%$100k-2 Year Jumbo IRA CD
0.30%$100k-1 Year Jumbo IRA CD
Locations


San Diego Private Bank Locations
San Diego Office Branch550 West C Street., Suite 110San Diego, CA 92101
Newport Private Bank Branch18552 Macarthur Blvd, Suite220Irvine, CA 92612
San Diego Private Bank801 Orange Avenue, Suite 101Coronado, CA 92118
LA Jolla Branch9404 Genesee Avenue, Suite 100LA Jolla, CA 92037