Malaga Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Malaga Bank, FSB is an FDIC-insured savings institution headquartered in Palos Verdes Estates, CA, established in 1985 (FDIC certificate 32282), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.45B, up 3.7% from Q2 2025, the 48th largest of 113 banks headquartered in California. Its CET1 capital ratio was 27.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32282
- Headquarters
- Palos Verdes Estates, CA
- Established
- 1985
- Total assets, Q2 2026
- $1.45B
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 27.47%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 322286120
- Holding company
- MALAGA FINANCIAL CORPORATION
- Asset rank in state
- 48th of 113 in California
Malaga Bank, FSB runs leaner than most banks of its size. The Palos Verdes Estates, California bank had $1.4 billion in assets at June 30, 2026, up 3.7% from a year earlier. It spends about 30 cents to bring in each dollar of revenue, about half the median of 58 cents for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 27.47% of its risk-weighted assets, about double the median of 13.52% for banks its size.
Concentration is the risk to watch: it holds commercial real estate loans worth 4.7 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, Malaga Bank, FSB reported a CET1 capital ratio of 27.47%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Malaga Bank, FSB is the 48th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $1.45B, loans rose 0.6% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 90.7% of total loans, ahead of 1-4 family residential loans at 6.4%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in CA; its Palos Verdes Peninsula office books 49% of its branch deposits. Judged on its Q2 2026 call report, Malaga Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2514 Via Tejon, Palos Verdes Estates, CA 90274
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 8, 1985
- Former names
- Malaga Bank SSB (1990-2004)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $942.1M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.44B
- Average total loans
- $1.24B
- Average interest-bearing deposits
- $750.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32282
- Fed RSSD
- 773470
- Website
- www.malagabank.com →
- Parent Holding Company
- MALAGA FINANCIAL CORPORATION (RSSD 3842528)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Malaga Bank, FSB's total assets ranged from $1.38B (Q1 2025) to $1.55B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.45B total assets against $1.40B; $1.21B total liabilities against $1.17B.
$1.24B net loans and leases against $1.21B; $942.1M total deposits against $927.7M.
$0 securities against $0; $178.5M cash and balances due against $158.2M.
$17.9M total interest income against $16.9M; $6.2M total interest expense against $5.7M.
$11.8M net interest income against $11.2M.
$264K total noninterest income against $271K; $3.7M total noninterest expense against $3.4M.
$23K provision for credit losses against -$52K.
$5.9M net income against $5.8M.
1.63% return on assets against 1.67%; 3.33% net interest margin against 3.35%.
27.47% CET1 capital ratio against 28.46%; 16.76% tier 1 leverage ratio against 16.57%.
Inside the full Malaga Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Malaga Bank, FSB rankings
Its closest position to the top of a national ranking is 48 of 3,606, for efficiency ratio; its furthest is 3,362 of 3,640, for Texas Ratio.
Metric pages for Malaga Bank, FSB: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.48% (Q4 2025) to 1.74% (Q1 2026) and its net interest margin ran from 3.26% (Q3 2024) to 3.45% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.47% | 1.63% | 0.00% | 0.00% | 3.33% |
| Q1 2026 | 27.57% | 1.74% | 0.00% | 0.00% | 3.45% |
| Q4 2025 | 28.91% | 1.48% | 0.00% | 0.00% | 3.26% |
| Q3 2025 | 29.25% | 1.61% | 0.00% | 0.00% | 3.30% |
| Q2 2025 | 28.46% | 1.67% | 0.00% | 0.00% | 3.35% |
| Q1 2025 | 28.16% | 1.61% | 0.00% | 0.00% | 3.34% |
| Q4 2024 | 27.59% | 1.59% | 0.00% | 0.00% | 3.27% |
| Q3 2024 | 26.66% | 1.64% | 0.00% | 0.02% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Malaga Bank F.S.B. | Palos Verdes Peninsula , CA | 90274 | $463.4M |
| San Pedro Branch | San Pedro , CA | 90732 | $171.7M |
| Rolling Hills Estates Branch | Rolling Hills Estates , CA | 90274 | $157.7M |
| Torrance Branch | Torrance , CA | 90505 | $103.2M |
| Torrance Skypark Branch | Torrance , CA | 90505 | $46.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 82 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 83 applications, 71 loans originated, $100.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $105K approved, $105K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Malaga Bank, FSB
What are Malaga Bank, FSB's total assets?
As of the Q2 2026 filing, Malaga Bank, FSB reported total assets of $1.45 billion in its FFIEC call report.
Where is Malaga Bank, FSB headquartered?
It is headquartered in Palos Verdes Estates, CA, United States.
When was Malaga Bank, FSB founded?
It was established in 1985, per the FDIC institution directory.
Is Malaga Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Malaga Bank, FSB?
Malaga Bank, FSB's primary federal regulator is the OCC.
What is Malaga Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Malaga Bank, FSB operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Malaga Bank, FSB's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Malaga Bank, FSB previously called?
The charter now named Malaga Bank, FSB has also operated as Malaga Bank SSB (1990-2004), per FDIC structure-change records.
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