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4275 Executive Square, Suite800
La Jolla, CA 92037

Silvergate Bank is headquartered in La Jolla and is the 69th largest bank in the state of California. It is also the 1,050th largest bank in the nation. It was established in 1988 and as of December of 2013, it had grown to 104 employees at 7 locations. Silvergate Bank's CD rates are 12% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Silvergate Bank had $7.3 million in non-current loans and owned real-estate with $74.21 million in equity and loan loss allowances on hand to cover it. This gives Silvergate Bank a Texas Ratio of 9.83% 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 Silvergate Bank experienced no significant changes from 8.68% as of December 31, 2012 to 9.83% as of December 31, 2013, resulting in a negative change of 13.19%. This indicates that the balance sheet and financial strength for Silvergate Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Silvergate Bank has decreased its total deposits by -$36.81 million, resulting in -7.5% 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 Silvergate 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. Silvergate Bank has $641.15 million in assets with $74.21 million in equity, resulting in a capitalization level of 11.58%, which is excellent.

Institution Statistics

FDIC Certificate #27330
Year Established1988
Primary RegulatorFED
Assets and Liabilities
Assets$641.15 million
Loans$541.27 million
Deposits$453.73 million
Equity Capital$70.29 million
Loan Loss Allowance$3.93 million
Unbacked Noncurrent Loans$3.74 million
Real Estate Owned$3.56 million
Historic Data - December 2012
Assets$684.39 million
Equity Capital$70.02 million
Loan Loss Allowance$4.02 million
Unbacked Noncurrent Loans$3.74 million
Real Estate Owned$276,000
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets0.84%
Return on Equity7.64%
Interest Income$27.58 million
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Silvergate Bank CD Rates

1.16%$2,500$225k2 Year High Yield Online CD
1.01%$2,500$225k1 Year High Yield Online CD

Silvergate Bank Locations
Escondido Branch128 North BroadwayEscondido, CA 92025
LA Jolla Branch4250 Executive Square Suite 100LA Jolla, CA 92037 Branch4275 Executive Square Ste 800LA Jolla, CA 92037
Silvergate Bank4275 Executive Square, Suite800LA Jolla, CA 92037
Lancaster Branch539 West Lancaster BoulevardLancaster, CA 93534
Carlsbad Branch5810 El Camino Real Ste DCarlsbad, CA 92008
LA Mesa Branch8530 LA Mesa Boulevard Ste 300LA Mesa, CA 91942