Pacific Crest Bank
Lynnwood, WA · Cert 34585 · Peer group: banks under $1B in assets (n=581-629) · Pacific Crest Bcorp Inc.
SI · FDIC · 1 branch
Q2 2026
$318.5MAssets
$242.9MLoans
$239.9MDeposits
$33.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 580 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |