Silvergate Bank offers banking services in California.  The company is based in La Jolla, California, with additional branches in Riverside, Lancaster, and La Mesa, California.  It was established on August 26, 1988.  Silvergate Bank has been FDIC insured since August 26, 1988.  Silvergate Bank is chartered as a Federal Reserve Non-member. Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

As of March 31, 2009, Silvergate Bank had a total of 41 full-time equivalent employees, total bank assets were $324,883,000, total bank deposits stood at $225,110,000 and net operating income was a loss of -$506,000.

Silvergate Bank most recent performance ratios.
As of March 31, 2009:

Yield on earning assets 6.73% 
Cost of funding earning assets 3.20% 
Net interest margin 3.54%
Noncurrent loans to loans 1.80%
Equity capital to assets 9.93% 
Core capital (leverage) ratio 10.06% 
Tier 1 risk-based capital ratio 15.12% 
Total risk-based capital ratio 16.37%
 
Silvergate Bank products and services:

Silvergate Bank offers an array of personal checking accounts, savings accounts, money market accounts, certificate of deposit accounts and business checking, savings and certificates of deposit.  The bank provides commercial real estate loans, small business loans, residential mortgage programs as well as reverse mortgage programs.  The bank also offers prepaid debit cards, gift cards and online banking.

Silvergate Bank branch bank locations:

La Jolla Branch
4275 Executive Square,
Suite 800
La Jolla, CA 92037-1492
Phone:  858.362.6300
Fax: 858.362.6322

La Mesa Branch
8211 La Mesa Boulevard
La Mesa, CA 91941
 Toll Free: 888.581.1164
Phone:  619.460.2265
Fax: 619.460.3299

Riverside Branch
3692 Sunnyside Drive
Riverside, CA 92506
 Toll Free: 800.353.6436
Phone:  951.686.5230
Fax: 951.686.5291

Lancaster Branch
539 West Lancaster Boulevard
Lancaster, CA 93534
 Toll Free: 800.597.6955
Phone:  661.945.6955
Fax: 661.942.5891

Silvergate Bank web address: www.silvergatebank.com

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