Malaga Bank F.S.B.

Malaga Bank F.S.B. is a community-focused federal savings bank headquartered in Palos Verdes Estates, CA, serving Southern California businesses since 1985. As a portfolio lender, it holds loans in-house rather than selling them on the secondary market, which supports local decision-making and relationship-based underwriting. Its commercial lending lineup includes lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance — with a notable depth in real estate-related products including apartment, investment, and refinance loans. The bank also offers business and nonprofit checking accounts, making it a potential one-stop option for community-rooted organizations. Bauer Financial has awarded Malaga Bank its 5-Star Superior rating for 73 consecutive quarters as of March 2026 — a meaningful signal of sustained financial strength. Specific rates, minimum credit scores, and loan sizes are not publicly disclosed, so prospective borrowers will need to engage the bank directly. Malaga Bank appears best suited to Southern California businesses and nonprofits that value a long-term banking relationship over quick online access.