Fullerton Community Bank, FSB

Headquarters

200 West Commonwealth Avenue
Fullerton, CA 92832
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Fullerton Community Bank, FSB is an FDIC insured institution located in Fullerton, CA. It was founded in 1927 and has approximately $0.64 billion in assets.

FDIC Insured Yes
FDIC Certificate # 28449
Date Established 1927
Assets $ 636.34 million
Loans $ 473.94 million
Deposits $ 474.61 million
Capital $ 62.67 million
 

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

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111

 

Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Fullerton Community Bank, FSB

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




Featured - California 30 Year Fixed Mortgage Rates 2021

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NMLS ID: 541760
2.873% 2.800%
1.00 points
$2,380 fees
$1,028 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

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BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
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Note to Fullerton Community Bank, FSB
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Branches

Fullerton Community Bank, FSB 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:
San Diego,California


Fullerton Community Bank, FSB Locations


Financial Details

Fullerton Community Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fullerton Community Bank, FSB. 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
Fullerton Community Bank, FSB U.S. Bank Average
20.96% 5.29%

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, 2021, Fullerton Community Bank, FSB had $10,751,000 in non-current loans and $4,374,000 in owned real estate. To cover these potential losses it had $62,669,000 in equity and $9,507,000 in loans loss reserves. That gives it a Texas Ratio of 20.96%.

Return on Equity
Fullerton Community Bank, FSB U.S. Bank Average
4.06% 11.43%

Fullerton Community Bank, FSB has a Return on Equity of 4.06% versus the BestCashCow average of 11.43%. 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
Fullerton Community Bank, FSB U.S. Bank Average
9.85% 11.51%

Fullerton Community Bank, FSB has a Capitalization of 9.85% versus the BestCashCow average of 11.51. 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.

Fullerton Community Bank, FSB Balance Sheet Analysis

As of September 30, 2011, Fullerton Community Bank, FSB had assets of $636,336,000, loans of $473,943,000, and deposits of $474,612,000. 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, 2021
ASSETS
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 $ 473.94 million
Loan loss allowance $ 9.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.37 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 474.61 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 $ 636.34 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
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 Fullerton Community Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Fullerton Community Bank, FSB’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

Frequently Asked Questions About Fullerton Community Bank, Fsb

Branches and Savings

Is Fullerton Community Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #28449.

Why does Fullerton Community Bank, Fsb pay such low interest on savings accounts?

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

Why are Fullerton Community Bank, Fsb CD rates not competitive?

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

Is Fullerton Community Bank, Fsb a commercial bank?

Yes

Where are Fullerton Community Bank, Fsb locations?

See branch locations nearby.

Is Fullerton Community Bank, Fsb open on Saturdays?

Is Fullerton Community Bank, Fsb open on Sundays?

What time does Fullerton Community Bank, Fsb open?

What time does Fullerton Community Bank, Fsb close?

Are Fullerton Community Bank, Fsb ATMs Open 24/7?

Do Fullerton Community Bank, Fsb ATMs accept cash deposits?

Can Fullerton Community Bank, Fsb customers use other ATMs?

Do Fullerton Community Bank, Fsb branches have notaries?

Will Fullerton Community Bank, Fsb notarize my document?

What address for Fullerton Community Bank, Fsb should I put for incoming ACH transfers?

Will the Fullerton Community Bank, Fsb branch print checks?

Do Fullerton Community Bank, Fsb checks expire?

Does Fullerton Community Bank, Fsb require US citizenship to open account?

Can Fullerton Community Bank, Fsb close my account?

Does Fullerton Community Bank, Fsb Report to credit bureaus?

Does Fullerton Community Bank, Fsb Use Equifax?

What is Fullerton Community Bank, Fsb's ACH Routing Number?

What is Fullerton Community Bank, Fsb's SWIFT code?

Products

Does Fullerton Community Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Fullerton Community Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fullerton Community Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Fullerton Community Bank, Fsb offer student loans?

Will Fullerton Community Bank, Fsb cash a check?

Will Fullerton Community Bank, Fsb redeem a savings bond?

Does Fullerton Community Bank, Fsb cash savings bonds?

Will Fullerton Community Bank, Fsb cash money orders?

Can Fullerton Community Bank, Fsb issue a money order?

Does Fullerton Community Bank, Fsb do currency exchange?

Background on The Bank

Who owns Fullerton Community Bank, Fsb?

How long has Fullerton Community Bank, Fsb been around?

Can Fullerton Community Bank, Fsb transfer to other banks?

Does Fullerton Community Bank, Fsb have quick pay?

Does Fullerton Community Bank, Fsb accept rolled coins?

Will Fullerton Community Bank, Fsb accept loose change?

Where is Fullerton Community Bank, Fsb headquarters?

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