Pacific Crest Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Pacific Crest Bank, based in Lynnwood, Washington, reported $318 million in assets at June 30, 2026, down 1.7% from a year earlier. It keeps 2.47 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.39% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 1.3% and deposits fell 4.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 4.4 times its capital, 3.7 times the median of 1.2 times for banks its size.
As of June 30, 2026, Pacific Crest Bank reported a CET1 capital ratio of 14.79%, a return on assets of 0.64%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.05%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3500 188th St Sw, Lynnwood, WA 98037
- County
- Snohomish
- Metro Area
- Seattle-Tacoma-Bellevue, WA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 2, 1998
- Former names
- Pacific Crest Savings Bank (2005-2025)
- Offices
- 1 domestic
- Employees (FTE)
- 16
- Domestic deposits
- $239.9M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $319.3M
- Average total loans
- $240.2M
- Average interest-bearing deposits
- $229.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1998
- FDIC Cert
- 34585
- Fed RSSD
- 2643595
- Website
- http://www.paccrest.com/ →
- Parent Holding Company
- PACIFIC CREST BANCORP, INC. (RSSD 2713685)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pacific Crest Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pacific Crest Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Pacific Crest Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.79% | 0.64% | 0.60% | 3.05% | 2.47% |
| Q1 2026 | 15.07% | 0.55% | 0.63% | 3.22% | 2.33% |
| Q4 2025 | 15.41% | 0.58% | 0.66% | 3.30% | 2.29% |
| Q3 2025 | 16.15% | 0.72% | 0.67% | 3.27% | 2.38% |
| Q2 2025 | 15.30% | 0.63% | 0.66% | 3.48% | 2.24% |
| Q1 2025 | 15.04% | 0.59% | 0.68% | 3.54% | 2.24% |
| Q4 2024 | 15.21% | 0.41% | 0.72% | 3.60% | 2.07% |
| Q3 2024 | 15.30% | 0.62% | 0.74% | 4.32% | 2.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pacific Crest Bank (main office) | Lynnwood , WA | 98037 | $239.9M |
Regulatory record
What the public regulatory sources show for Pacific Crest Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WA, rank 39 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 34 loans originated, $30.6M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pacific Crest Bank
What are Pacific Crest Bank's total assets?
As of the Q2 2026 filing, Pacific Crest Bank reported total assets of $318.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pacific Crest Bank headquartered?
Pacific Crest Bank is headquartered in Lynnwood, WA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Pacific Crest Bank founded?
Pacific Crest Bank was established in 1998, per the FDIC institution directory.
Is Pacific Crest Bank FDIC-insured?
Yes. Pacific Crest Bank is an FDIC-insured savings bank (FDIC Certificate #34585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pacific Crest Bank?
Pacific Crest Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pacific Crest Bank's CET1 capital ratio?
Pacific Crest Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pacific Crest Bank operate?
Pacific Crest Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pacific Crest Bank's Texas Ratio?
Pacific Crest Bank's Texas Ratio is 3.05% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Pacific Crest Bank previously called?
The charter now named Pacific Crest Bank has also operated as Pacific Crest Savings Bank (2005-2025), per FDIC structure-change records.
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