Now part of Banner Bank (Walla Walla, WA). Figures below are from its last filing. All recent changes →
| Metric | Bank of the Pacific | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.4 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.1 pts |
| Loan growth (YoY) | +3.3% | +6.0% | -2.6 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 10.0% | 12.2% | -2.2 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.26B | $1.11B | $761.0M | $138.9M | $6.9M | 1.09% | 4.15% | 0.02% |
| Q1 2026 | $1.29B | $1.14B | $761.6M | $139.2M | $3.3M | 1.02% | 4.07% | 0.05% |
| Q4 2025 | $1.27B | $1.12B | $766.0M | $138.7M | $12.7M | 1.03% | 4.29% | 0.01% |
| Q3 2025 | $1.26B | $1.11B | $762.5M | $135.5M | $9.3M | 1.02% | 4.29% | 0.03% |
| Q2 2025 | $1.21B | $1.07B | $736.6M | $131.4M | $5.6M | 0.93% | 4.28% | 0.04% |
| Q1 2025 | $1.22B | $1.08B | $697.5M | $129.2M | $2.6M | 0.89% | 4.21% | 0.10% |
| Q4 2024 | $1.15B | $1.02B | $695.4M | $126.2M | $10.7M | 0.94% | 4.29% | 0.10% |
| Q3 2024 | $1.16B | $1.01B | $690.2M | $133.6M | $8.3M | 0.97% | 4.32% | 0.10% |
Loan mix (Q2 2026): real estate $613.1M · commercial $88.3M · consumer $44.6M · securities $334.9M
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | — | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.2% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.70% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 70.0% |
| 59.0% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the Pacific | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Bank of the Pacific is in an open deal as the target: Banner Corporation to acquire Bank of the Pacific (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 14, 2026 | Target | Banner Corporation | Merger | Approved | Federal Reserve |
20 branches in 9 counties across 2 states (+0 vs 2025) · $1.11B branch deposits. Biggest market: Grays Harbor, WA, ranked 2nd with 20.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grays Harbor, WA | 6 | $450.9M | 19.99% | 2nd |
| Pacific, WA | 3 | $193.6M | 25.22% | 2nd |
| Whatcom, WA | 3 | $186.8M | 2.19% | 12th |
| 6 more counties with Pro → | ||||
Washington: 42nd with 0.33% · Oregon: 66th with 0.08% · Bellingham metro: 12th, 2.19% · Portland-Vancouver-Hillsboro metro: 54th, 0.08% ·
Branch count: 2022 19 · 2023 18 · 2024 19 · 2025 20 · 2026 20
Ranked #547 of 1,373 lenders in FY2025 — an active SBA 7(a) lender, up 30% on FY2024.
Year-by-year volume and rank, loan size and pricing, top states and industries, and charge-offs by vintage are part of CharterBench Pro.
7(a) approvals net of cancellations, attributed to the lender named in the SBA’s file. 504 loans are made through certified development companies and are not included. All SBA lenders →
Ranked #2,996 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →