Thirty-two financial institutions based in San Diego were insured by the FDIC at year-end 2005. Changes from last year include the merger of Legacy Bank with Landmark National Bank, and the merger of Rancho Bernardo Community Bank with Escondido-based Community National Bank.

Established banks number 22. These banks are ranked by return on assets (ROA), a common measure of bank's profitability.

First Coronado Bank was added to the list of de novo banks. It opened in October, 2005. Six banks are three years old or younger.

Security Business Bank, Landmark National Bank, and Torrey Pines Bank moved from the de novo category to the list of established banks.

Chart compiled by Highline Data and San Diego Metropolitan staff.

Founded	Name/Address	Offices	President & Phone	ROA	Return on Average Equity	Total Assets 000s	% Change in Total Assets	Core Cap/Adj. Total Assets	Loan Loss Provision	Operating Profit/AA	Liquid/Total Assets
Banks 3-Years-Old or More, Ranked By Return On Assets for Year-End Dec. 31, 2005
Sept. 2001	Armed Forces Bank of Calif. 3280 Main Street, 7C San Diego, CA 92113	6	Don Giles (619) 231-0018	2.24	4.56	16,535	22.81	46.49	180	3.88	80.49
Oct. 1982	First Nat. Bank of North County 1145 San Marino Drive. San Marcos, CA 92069	4	Robert Hahn (760) 471-1051	2.15	28.00	98,497	-5.03	7.70	190	2.23	8.27
Dec. 1982	First National Bank 6110 El Tordo Rancho Santa Fe, CA 92067	13	Robert Borgman (619) 744-7200	2.14	9.75	1,140,794	-6.07	11.92	-117	3.64	6.69
Sept. 2002	Security Bus. Bank of San Diego 701 B Street, Ste 100 San Diego, CA 92101	4	Paul Rodeno (619) 231-8500	1.91	12.62	123,903	34.62	14.42	396	1.54	9.26
Nov. 1985	Community National Bank 900 Canterbury Place Escondido, CA 92025	12	Michael Perdue (760) 432-1100	1.77	14.09	909,116	41.89	9.91	1,231	2.93	6.00
Jan. 2001	Sunrise Bank San Diego 4570 Executive Dr., Ste 110 San Diego, CA 92121	1	Randy Cundiff (858) 625-9050	1.71	10.29	66,809	6.60	13.25	173	2.86	9.51
Oct. 1998	California B&TC 11622 El Camino Real, Ste 200 San Diego, CA 92130	95	David Blackford (858) 793-7400	1.56	15.56	10,895,902	6.97	6.81	9,913	2.62	13.09
Nov. 1981	San Diego National Bank 1420 Kettner Boulevard San Diego, CA 92101	21	Robert B Horsman (619) 231-4989	1.50	14.24	2,347,305	7.35	10.71	0	2.57	8.77
Dec. 1997	Southwest Community Bank 5611 Palmer Way, Ste G Carlsbad, CA 92008	8	Stuart McFarland (760) 918-2648	1.47	19.01	655,814	24.47	8.99	900	2.44	37.83
Sept. 1980	San Diego Community Bank 318 Fourth Avenue Chula Vista, CA 91910	3	Thomas King (619) 425-5000	1.10	8.16	95,308	25.80	14.01	0	1.61	20.98
Dec. 1973	Imperial Capital Bank 888 Prospect Street, Ste 110 La Jolla, CA 92037	10	George Haligowski (858) 551-0511	1.03	11.53	3,038,087	33.89	9.07	10,915	1.78	4.72
Nov. 2000	First Pacific Bank of California 7728 Regents Road, Ste 503 San Diego, CA 92122	5	Vince Siciliano (858) 875-2000	0.98	11.27	265,582	26.64	8.76	553	1.67	11.89
Sept. 2001	Regents Bank 875 Prospect Street La Jolla, CA 92037	3	Dan Yates (858) 729-7700	0.82	10.49	211,661	25.57	8.06	545	1.34	12.69
July 2000	Bank of Internet USA PO Box 919008 San Diego, CA 92191	1	Gary Lewis Evans (858) 350-6200	0.74	8.21	681,176	33.08	9.07	340	1.10	5.47
Sept. 1997	Neighborhood National Bank 3511 National Ave. San Diego, CA 92113	3	Bob Adkins (619) 789-4400	0.70	8.79	89,173	12.78	8.33	123	1.20	21.53
May 2003	Torrey Pines Bank 12220 El Camino Real, Ste 100 San Diego, CA 92130	3	Gary Cady (858) 523-4600	0.67	7.56	405,010	57.28	8.71	1,447	1.13	5.46
Sept. 2001	Discovery Bank 338 Via Vera Cruz San Marcos, CA 92078	2	James Kelley (760) 736-8900	0.67	7.54	142,222	43.06	9.92	532	1.17	11.95
Aug. 2002	Landmark National Bank 937 Lomas Santa Fe Drive Solana Beach, CA 92075	3	Rick Mandelbaum (858) 509-2700	0.46	4.22	124,258	82.20	9.65	231	0.46	14.95
Sept. 1982	Borrego Springs Bank 587 Palm Canyon Drive Ste. 101 Borrego Springs, CA 92004	4	William Ruhlman (619) 668-5159	0.39	4.70	88,529	-21.86	9.18	75	0.60	35.72
Sept. 1991	First United Bank 7320 Clairemont Mesa Blvd. San Diego, CA 92111	3	Andrew Yip (858) 496-3800	0.26	2.53	212,766	26.47	9.03	60	0.42	28.13
Sept. 1988	Silvergate Bank 4275 Executive Square, Suite 800 La Jolla, CA 92037	4	David Devol (619) 460-2265	0.09	1.39	460,443	-6.25	8.01	40	0.07	23.60
March 2001	Ramona National Bank 1315 Main Street Ramona, CA 92065	2	Roy Lewis (760) 788-8788	-1.05	-8.09	48,742	23.75	12.05	255	-1.04	30.12
Other Than Commercial Banks
1981	Home Bank of California 875 Garnet Ave San Diego, CA 92109	2	Byron Webb (858) 270-5881	3.59	35.72	170,530	2.54	10.12	74	3.72	4.98
1985	La Jolla Bank FSB 888 Prospect Street La Jolla, CA 92037	7	Rick Hall (858) 454-8800	2.43	28.15	2,516,182	20.06	8.82	3,600	2.45	0.72
1981	Balboa T&LA 865 Amena Ct. Chula Vista, CA 91910	5	Ted Monzingo (619) 397-7700	1.26	12.66	148,024	14.23	10.08	2,345	2.17	6.52
2000	Pacific Trust Bank PO Box 5227 Chula Vista, CA 91912	9	Hans Ganz (619) 691-1519	0.66	6.71	754,978	12.05	9.48	271	1.02	4.20
Banks Less Than 3-years-old, Ranked From Oldest to Youngest
June 2003	Seacoast Commerce Bank 296 H St., Ste. 100 Chula Vista, CA 91910	1	Doug Shearer (619) 476-7776	-0.69	-4.49	52,413	64.16	13.47	238	-0.69	15.12
Aug. 2003	California Community Bank 1320 W Valley Pkwy., Ste. 301 Escondido, CA 92029	2	Larry Hartwig (760) 888-1100	-0.08	-0.52	93,997	79.63	22.70	409	-0.08	33.88
Oct. 2003	San Diego Trust Bank 2550 Fifth Ave., Ste. 120 San Diego, CA 92103	1	Michael Perry (619) 525-1700	0.93	5.95	83,467	57.48	14.37	281	0.93	31.24
Oct. 2003	Bank of Escondido 200 W. Grand Ave. Escondido, CA 92025	1	Mike Peters (760) 520-0400	0.73	4.79	70,834	39.01	13.48	110	1.13	51.79
Aug. 2004	Point Loma Community Bank 1350 Rosecrans St. San Diego, CA 92106	1	Tony Calabrese (619) 243-7900	-1.49	-6.67	34,213	64.04	17.43	335	-2.23	12.86
Oct. 2005	Coronado First 801 Orange Avenue, Ste. 101 Coronado, CA 92118	1	Bruce Ives (619) 437-1000	N/A	N/A	20,080	N/A	63.15	64	N/A	38.56