We are a federally-chartered savings bank, with full service offices located in California and Texas, with loan production offices in California, Arizona, Nevada and New York. Founded in 1985, our headquarters is in Rancho Santa Fe, California. We operate 10 branch offices plus additional loan offices for your convenience.

As of the most current statement of condition, our core capital stood at well above twice the legal requirements, and we exceed all regulatory capital requirements.

All accounts are insured to $100,000 by the Federal Deposit Insurance Corporation (FDIC), an agency of the United States government. We are an equal opportunity lender.