Folsom Lake Bank


905 Sutter Street, Suite 100
Folsom, CA 95630
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Folsom Lake Bank is an FDIC insured institution located in Folsom, CA. It was founded in 2007 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58503
Date Established 2007
Assets $ 205.88 million
Loans $ 120.78 million
Deposits $ 171.95 million
Capital $ 16.15 million

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

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Folsom Lake 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 2020

Lender APR Rate (%) Points Fees Monthly
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1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.539% 2.500% 0.50 $1,304 $988 Learn More
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More
First Internet Bank
NMLS ID: 424182
2.566% 2.500% 0.88 $2,170 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
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Note to Folsom Lake Bank
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Financial Details

Folsom Lake Bank Ratio Analysis

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

Texas Ratio
Folsom Lake Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Folsom Lake Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,153,000 in equity and $1,467,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Folsom Lake Bank U.S. Bank Average
3.82% 7.80%

Folsom Lake Bank has a Return on Equity of 3.82% versus the BestCashCow average of 7.80%. 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.

Folsom Lake Bank U.S. Bank Average
7.85% 12.68%

Folsom Lake Bank has a Capitalization of 7.85% versus the BestCashCow average of 12.68. 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.

Folsom Lake Bank Balance Sheet Analysis

As of September 30, 2017, Folsom Lake Bank had assets of $197,291,000, loans of $120,784,000, and deposits of $171,948,000. 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.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 120.78 million
Loan loss allowance $ 1.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 171.95 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 205.88 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Folsom Lake Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks, Folsom Lake 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 11.30
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 3.88
Commercial Real Estate 61.86
Commercial and Industrial Loans 8.09
Farm Loans 0.00

Frequently Asked Questions About Folsom Lake Bank

Branches and Savings

Is Folsom Lake Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58503.

Why does Folsom Lake Bank pay such low interest on savings accounts?

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

Why are Folsom Lake Bank CD rates not competitive?

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

Is Folsom Lake Bank a commercial bank?


Where are Folsom Lake Bank locations?

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Is Folsom Lake Bank open on Saturdays?

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Are Folsom Lake Bank ATMs Open 24/7?

Do Folsom Lake Bank ATMs accept cash deposits?

Can Folsom Lake Bank customers use other ATMs?

Do Folsom Lake Bank branches have notaries?

Will Folsom Lake Bank notarize my document?

What address for Folsom Lake Bank should I put for incoming ACH transfers?

Will the Folsom Lake Bank branch print checks?

Do Folsom Lake Bank checks expire?

Does Folsom Lake Bank require US citizenship to open account?

Can Folsom Lake Bank close my account?

Does Folsom Lake Bank Report to credit bureaus?

Does Folsom Lake Bank Use Equifax?

What is Folsom Lake Bank's ACH Routing Number?

What is Folsom Lake Bank's SWIFT code?


Does Folsom Lake Bank offer mortgages?

Compare mortgage rates here.

Does Folsom Lake Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Folsom Lake Bank offer personal loans?

Compare personal loan rates here.

Does Folsom Lake Bank offer student loans?

Will Folsom Lake Bank cash a check?

Will Folsom Lake Bank redeem a savings bond?

Does Folsom Lake Bank cash savings bonds?

Will Folsom Lake Bank cash money orders?

Can Folsom Lake Bank issue a money order?

Does Folsom Lake Bank do currency exchange?

Background on The Bank

Who owns Folsom Lake Bank?

How long has Folsom Lake Bank been around?

Can Folsom Lake Bank transfer to other banks?

Does Folsom Lake Bank have quick pay?

Does Folsom Lake Bank accept rolled coins?

Will Folsom Lake Bank accept loose change?

Where is Folsom Lake Bank headquarters?

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