Lynnwood, WA · Cert 34585 · Pacific Crest Bcorp Inc.
SI · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
75
Profitability
16
Liquidity
9
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lynnwood, WA · Cert 34585 · Pacific Crest Bcorp Inc.
SI · FDIC · 1 branch
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.2% share · #29 of 43 inst. · $0.2B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.40% | 0.47% | 0.49% | 0.51% | 0.50% | 0.43% | 0.46% | -2 bps | |
| Return on Equity | 4.05% | 3.82% | 4.57% | 4.79% | 4.99% | 4.90% | 4.26% | 4.53% | -25 bps | |
| Net Interest Margin | 2.05% | 2.02% | 2.19% | 2.17% | 2.27% | 2.24% | 2.27% | 2.34% | +17 bps | |
| Efficiency Ratio | 73.77% | 74.51% | 71.57% | 71.33% | 70.56% | 71.82% | 76.05% | 74.06% | +272 bps | |
| Non-Interest Burden | 1.51% | 1.50% | 1.56% | 1.55% | 1.60% | 1.60% | 1.73% | 1.73% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.17% | 3.31% | 4.20% | 5.36% | 0.37% | 3.58% | -3.77% | -1.72% | -708 bps | |
| Loan Growth (YoY) | 1.87% | 6.26% | 9.59% | 8.70% | 0.40% | -0.49% | -0.65% | 1.35% | -735 bps | |
| Deposit Growth (YoY) | 3.45% | 2.43% | 2.53% | 3.12% | -2.88% | 0.08% | -6.82% | -4.00% | -712 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.57% | 0.54% | 0.53% | 0.54% | 0.52% | 0.49% | 0.47% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.55% | 1.54% | 1.52% | 1.57% | 1.64% | 1.63% | 1.59% | 1.55% | -2 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.7x | 2.8x | 3.0x | 3.1x | 3.1x | 3.2x | 3.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.16% | 11.10% | 11.04% | 10.98% | 11.43% | 10.76% | 10.96% | 11.14% | +16 bps | |
| Total Risk-Based Capital | 16.56% | 16.46% | 16.29% | 16.56% | 17.41% | 16.67% | 16.32% | 16.05% | -51 bps | |
| Equity / Assets | 10.51% | 10.51% | 9.98% | 10.04% | 10.46% | 9.94% | 10.20% | 10.59% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.96% | 94.02% | 91.95% | 95.90% | 95.06% | 93.48% | 98.04% | 101.24% | +534 bps | |
| Liquid Assets / Assets | 19.05% | 16.80% | 18.93% | 16.70% | 19.36% | 19.90% | 15.92% | 13.81% | -289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 486% | 501% | 515% | n/a | n/a | |
Lynnwood, WA · Cert 34585 · Peer group: banks under $1B in assets (n=581-629) · Pacific Crest Bcorp Inc.
SI · FDIC · 1 branch
Q2 2026
Return on Assets
0.47%
Rank 511 of 629
Net Interest Margin
2.34%
Rank 580 of 629
Efficiency Ratio
74.06%
Rank 413 of 629
Equity / Assets
10.59%
Rank 323 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.60% | 1.01% | 1.45% | Beats 19% | 511 / 629 | ||
| Return on Equity | 4.43% | 5.38% | 9.30% | 13.28% | Beats 20% | 506 / 629 | ||
| Net Interest Margin | 2.34% | 3.03% | 3.54% | 4.05% | Beats 8% | 580 / 629 | ||
| Efficiency Ratio | 74.06% | 58.35% | 67.79% | 79.08% | Beats 34% | 413 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.46% | 1.20% | Beats 49% | 297 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.79% | 11.24% | 13.84% | 18.77% | Beats 58% | 265 / 629 | ||
| Total Risk-Based Capital Ratio | 16.05% | 11.58% | 14.43% | 19.66% | Beats 61% | 243 / 629 | ||
| Equity / Assets | 10.59% | 9.09% | 10.65% | 13.80% | Beats 49% | 323 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.24% | 67.24% | 80.90% | 93.48% | 88th pctl | 74 / 594 | ||
| Loans / Assets | 76.26% | 53.31% | 67.71% | 78.15% | 69th pctl | 192 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||