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Company Overview

Silvergate Bank is a San Diego-based business bank with a strong commercial real estate lending platform, a unique national residential real estate loan niche, a growing commercial and industrial loan portfolio, and a special focus on deposits and cash management services for emerging financial technology companies.

From its 1988 founding with $2 million in equity capital, Silvergate has grown to become the largest and most profitable commercial bank headquartered in San Diego County. At September 30, 2017, Silvergate had 149 employees, its total assets were $1.2 billion, its equity capital was over $90 million, and the Bank is currently in its twentieth consecutive profitable year.

Silvergate is in the highest capital category for commercial banks – “well capitalized” – and it has consistently posted strong asset quality ratios.

Notable events in the Bank’s recent history include its conversion from an industrial bank to a commercial bank in 2009 and subsequent introduction of business banking products and services; launching both mortgage warehouse and correspondent lending divisions; becoming a Federal Reserve member bank in 2012; and successfully implementing several important technology driven initiatives, including an internet branch, financial technology companies deposit program, and a 2016 data processing systems conversion that has expanded our ability to enhance the speed and scope of online, remote, and mobile banking services for our clients.

Silvergate’s achievements have been built on hiring talented individuals and maintaining high standards in all of our lending and operating activities. We believe that our commitments to quality in staffing, loan underwriting, operations, and regulatory compliance all position Silvergate Bank for continued growth and success in the years ahead.

Recent Loans

June 12, 2018

4100 Adams Ave., San Diego CA

Finance of a mixed-used building in San Diego. Loan amount includes 65% of the rehab budget and an earnout.


March 27, 2018

Miami-Dade County, Florida

A revolving line of credit backed by private notes to real estate "fix and flip" investors


March 14, 2018

Imperial, CA

Ground up construction of 20 homes on 151,504 SF site area


January 24, 2018

3738 Acacia St., San Diego CA

Refinance of a 6-unit multifamily rental. Transaction closed in 33 days.


January 10, 2018

Imperial, CA

Ground-up construction of 40 homes


October 20, 2017

822 S 48th, Phoenix AZ

58,000 SF Three-Story Office Building

Loan amount: $5,200,000

October 3, 2017

2055 S Garey Avenue, Pomona CA

14,000 Single Tenant Retail Building

Loan Amount: $5,100,000

September 21, 2017

100 W Redlands Blvd., Redlands CA

Redevelopment and Capital Improvement of a 110,000 SF Retail Building

Loan Amount: $4,320,000

July 10, 2017

30851 Agoura Rd., Agoura Hills CA

71,000 SF Multi Tenant Office Building

Loan Amount: $8,352,000

June 30, 2017

SW Corner 11Th Avenue, San Diego CA

Land Development of a 44-unit Apartment Building

Loan Amount: $5,375,000

June 14, 2017

522 E Baseline Rd., Gilbert AZ

23,000 SF Redevelopment of an Office Building


May 2, 2017

4200 Bonita Place, Brea CA

55,000 SF Redevelopment of a Multi Tenant Industrial Building

Loan Amount: $6,200,000

April 26, 2017

27781 La Paz St., Laguna Niguel CA

42,000 SF Flex and Industrial Building

Loan Amount: $3,500,000

March 27, 2017

1331 N Alma School Rd., Chandler AZ

42,000 SF Office Building with Executive Suites

Loan Amount: $5,145,000

February 20, 2017

40 N 4th Ave., Chula Vista CA

Redevelopment of 110,000 SF Retail Center

Loan Amount: $14,000,000

Our Clients

Our location