PACIFIC CREST BANK

LYNNWOOD, WA | Small | Est. Jan. 2, 1998, midnight | FDIC #34585 | RSSD #2643595 | FDIC
Latest Report: 2025-12-31

PACIFIC CREST BANK is asn small FDIC-insured commercial bank headquartered in LYNNWOOD, WA, established in Jan. 2, 1998, midnight. As of 2025-12-31, the bank reported total assets of $328M and total deposits of $248M. Profitability stands at 0.58% ROA and 5.65% ROE, with a net interest margin of 2.42%. The bank's CET1 capital ratio is 15.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.30%. FDIC Certificate #34585.

Assets

$328M

Deposits

$248M

Loans

$231M

Equity

$33M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 5.65%
Net Interest Margin (NIM) 2.42%
Yield on Assets 5.90%
Cost of Funds 3.59%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.30%
NPA Ratio 0.37%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 15.41%
Tier 1 Capital 15.41%
Total Capital Ratio 16.67%
Leverage Ratio 10.76%
Loan-to-Deposit 93.48%

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