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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.32% | 0.47% | 0.50% | 0.56% | 0.45% | 0.43% | 0.50% | 0 bps | |
| Return on Equity | 4.58% | 3.05% | 4.57% | 5.01% | 5.48% | 4.46% | 4.26% | 4.84% | -17 bps | |
| Net Interest Margin | 2.10% | 2.01% | 2.19% | 2.19% | 2.33% | 2.24% | 2.27% | 2.40% | +21 bps | |
| Efficiency Ratio | 70.70% | 76.74% | 71.57% | 71.10% | 69.09% | 75.58% | 76.05% | 72.15% | +105 bps | |
| Non-Interest Burden | 1.48% | 1.54% | 1.56% | 1.55% | 1.61% | 1.69% | 1.73% | 1.73% | +17 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% | -0.05% | 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 | |