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13891 Newport Avenue, Suites 100 & 130
Tustin, CA 92780

Tustin Community Bank is headquartered in Tustin and is the 206th largest bank in the state of California. It is also the 5,520th largest bank in the nation. It was established in 1981 and as of June of 2014, it had grown to 23 employees at 1 location. Tustin Community Bank has a A health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Tustin Community Bank has a relatively low asset base.

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 June 30, 2014 Tustin Community Bank had $8,000 in non-current loans and owned real-estate with $11.14 million in equity and loan loss allowances on hand to cover it. This gives Tustin Community Bank a Texas Ratio of 0.07% 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 Tustin Community Bank decreased dramatically from 0.23% as of June 30, 2013 to 0.07% as of June 30, 2014, resulting in a positive change of 68.18%.This indicates that the balance sheet and financial strength for Tustin Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Tustin Community Bank has increased its total deposits by $4.55 million, resulting in 9.21% 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 Tustin Community 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. Tustin Community Bank has $64.94 million in assets with $11.14 million in equity, resulting in a capitalization level of 17.15%, which is excellent.

Institution Statistics

FDIC Certificate #32908
Year Established1981
Primary RegulatorFDIC
Assets and Liabilities
Assets$64.94 million
Loans$52.39 million
Deposits$53.95 million
Equity Capital$9.09 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$8,000
Real Estate Owned$0
Historic Data - June 2013
Assets$60.84 million
Equity Capital$9.03 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$8,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.12%
Return on Equity8.09%
Interest Income$2.25 million

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Tustin Community Bank Locations
Tustin Community Bank13891 Newport Avenue, Suites 100 & 130Tustin, CA 92780