| Metric | Pacific Alliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 12.0% | 11.9% | +0.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $454.4M | $369.2M | $343.2M | $59.5M | $3.5M | 1.56% | 3.13% | 0.12% |
| Q1 2026 | $450.7M | $366.5M | $344.4M | $58.6M | $2.6M | 2.32% | 3.11% | 0.12% |
| Q4 2025 | $440.1M | $358.9M | $339.0M | $56.4M | $2.3M | 0.53% | 2.96% | 0.13% |
| Q3 2025 | $442.4M | $358.8M | $321.3M | $56.7M | $2.7M | 0.85% | 2.93% | 0.67% |
| Q2 2025 | $428.6M | $348.0M | $341.8M | $55.3M | $1.8M | 0.85% | 2.87% | 0.14% |
| Q1 2025 | $426.3M | $344.4M | $310.4M | $54.0M | $502K | 0.48% | 2.44% | 1.23% |
| Q4 2024 | $411.7M | $327.7M | $296.3M | $53.4M | $1.4M | 0.37% | 2.63% | 0.12% |
| Q3 2024 | $394.4M | $307.9M | $288.7M | $53.9M | $1.5M | 0.52% | 2.69% | 0.15% |
Loan mix (Q2 2026): real estate $313.7M · commercial $34.6M · consumer $0 · securities $22.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pacific Alliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 11.9% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 62.9% | 10th |
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 | Pacific Alliance Bank | 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 | Pacific Alliance Bank | 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 | Pacific Alliance Bank | 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 | Pacific Alliance Bank | 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 | Pacific Alliance Bank | 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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $348.0M branch deposits. Biggest market: Los Angeles, CA, ranked 97th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $314.7M | 0.06% | 97th |
| Orange, CA | 1 | $33.3M | 0.02% | 90th |
California: 219th with 0.02% · Los Angeles-Long Beach-Anaheim metro: 108th, 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3