California Oaks State Bank

50 West Hillcrest Drive
Thousand Oaks, CA 91360

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34579
Date Established 1998
Assets $0.14 billion
Loans $0.09 billion
Deposits $0.11 billion
Capital $0.02 billion

California Oaks State Bank is an FDIC insured institution located in Thousand Oaks, CA. It was founded in 1998 and has approximately $0.14 billion in assets.

For a more detailed analysis of California Oaks State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in California Oaks State Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, California Oaks State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for California Oaks State Bank, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for California Oaks State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to California Oaks State Bank
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Branches

California Oaks State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


California Oaks State Bank Locations

Financial Details

California Oaks State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California Oaks State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
California Oaks State Bank U.S. Bank Average
14.62% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, California Oaks State Bank had $2,432,000 in non-current loans and $263,000 in owned real estate. To cover these potential losses it had $16,686,000 in equity and $1,750,000 in loans loss reserves. That gives it a Texas Ratio of 14.62%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
California Oaks State Bank U.S. Bank Average
-1.12% 8.58

California Oaks State Bank has a Return on Equity of -1.12% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
California Oaks State Bank U.S. Bank Average
12.14% 12.11

California Oaks State Bank has a Capitalization of 12.14% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

California Oaks State Bank Balance Sheet Analysis

As of November 30, -0001, California Oaks State Bank had assets of $137,468,000, loans of $94,232,000, and deposits of $114,859,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About California Oaks State Bank

Branches and Savings

Is California Oaks State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34579.

Why does California Oaks State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are California Oaks State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is California Oaks State Bank a commercial bank?

Yes

Where are California Oaks State Bank locations?

See branch locations nearby.

Is California Oaks State Bank open on Saturdays?

Is California Oaks State Bank open on Sundays?

What time does California Oaks State Bank open?

What time does California Oaks State Bank close?

Are California Oaks State Bank ATMs Open 24/7?

Do California Oaks State Bank ATMs accept cash deposits?

Can California Oaks State Bank customers use other ATMs?

Do California Oaks State Bank branches have notaries?

Will California Oaks State Bank notarize my document?

What address for California Oaks State Bank should I put for incoming ACH transfers?

Will the California Oaks State Bank branch print checks?

Do California Oaks State Bank checks expire?

Does California Oaks State Bank require US citizenship to open account?

Can California Oaks State Bank close my account?

Does California Oaks State Bank Report to credit bureaus?

Does California Oaks State Bank Use Equifax?

What is California Oaks State Bank's ACH Routing Number?

What is California Oaks State Bank's SWIFT code?

Products

Does California Oaks State Bank offer mortgages?

Compare mortgage rates here.

Does California Oaks State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does California Oaks State Bank offer personal loans?

Compare personal loan rates here.

Does California Oaks State Bank offer student loans?

Will California Oaks State Bank cash a check?

Will California Oaks State Bank redeem a savings bond?

Does California Oaks State Bank cash savings bonds?

Will California Oaks State Bank cash money orders?

Can California Oaks State Bank issue a money order?

Does California Oaks State Bank do currency exchange?

Background on The Bank

Who owns California Oaks State Bank?

How long has California Oaks State Bank been around?

Can California Oaks State Bank transfer to other banks?

Does California Oaks State Bank have quick pay?

Does California Oaks State Bank accept rolled coins?

Will California Oaks State Bank accept loose change?

Where is California Oaks State Bank headquarters?

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