| Metric | Pacific Crest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.4% | -6.1 pts |
| Deposit growth (YoY) | -4.0% | +4.0% | -8.0 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 0.59% | 1.24% | -0.6 pts |
| ROE | 5.8% | 11.9% | -6.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.5M | $239.9M | $239.1M | $33.7M | $951K | 0.59% | 2.36% | 0.36% |
| Q1 2026 | $318.7M | $241.4M | $232.9M | $32.5M | $441K | 0.55% | 2.30% | 0.37% |
| Q4 2025 | $328.0M | $247.6M | $227.7M | $32.6M | $2.1M | 0.63% | 2.27% | 0.37% |
| Q3 2025 | $324.2M | $242.3M | $226.6M | $33.9M | $1.6M | 0.65% | 2.27% | 0.38% |
| Q2 2025 | $324.0M | $249.9M | $235.9M | $32.5M | $1.0M | 0.62% | 2.24% | 0.39% |
| Q1 2025 | $331.2M | $259.0M | $234.6M | $33.0M | $481K | 0.59% | 2.22% | 0.39% |
| Q4 2024 | $316.7M | $247.4M | $229.0M | $33.3M | $1.6M | 0.51% | 2.09% | 0.42% |
| Q3 2024 | $323.1M | $249.5M | $225.9M | $33.9M | $1.3M | 0.54% | 2.09% | 0.50% |
Loan mix (Q2 2026): real estate $232.9M · commercial $0 · consumer $47K · securities $30.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pacific Crest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 62.9% | 77th |
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 Crest 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 Crest 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 Crest 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 Crest 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 Crest 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $249.9M branch deposits. Biggest market: Snohomish, WA, ranked 19th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Snohomish, WA | 1 | $249.9M | 0.91% | 19th |
Washington: 73rd with 0.09% · Seattle-Tacoma-Bellevue metro: 44th, 0.14% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1