Bank Safety Analysis
Bank of the Pacific: final safety record
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Compared with Q1 2026, net interest margin rose 0.17 percentage points in Q2 2026 to 4.19%, the biggest move on this page. Bank of the Pacific reported 16.39% on CET1 ratio for Q2 2026, 2.90 points above the 13.49% median for banks in the $1B-10B asset tier. From Q3 2023 to Q2 2026, Bank of the Pacific's CET1 ratio ranged between 15.66% (Q2 2025) and 16.64% (Q3 2024) and its Texas ratio ranged between 0.09% (Q4 2025) and 1.25% (Q1 2024). Between Q2 2025 and Q2 2026, Bank of the Pacific's CET1 ratio rose from 15.66% to 16.39%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.06% to 0.04%, Texas ratio fell from 0.37% to 0.21% and return on assets rose from 0.96% to 1.16%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 16.39% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.99% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.04% are within industry-normal range.
Texas Ratio of 0.2% is well below the 100% historical failure threshold.
Efficiency ratio of 67.9% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 16.39% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.21% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.04% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 44.54% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 69.16% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 190.47% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.68% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.39% |
| Q1 2026 | 16.22% |
| Q4 2025 | 16.07% |
| Q3 2025 | 15.86% |
| Q2 2025 | 15.66% |
| Q1 2025 | 16.21% |
| Q4 2024 | 16.24% |
| Q3 2024 | 16.64% |
| Q2 2024 | 16.37% |
| Q1 2024 | 16.43% |
| Q4 2023 | 16.41% |
| Q3 2023 | 16.41% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.21% |
| Q1 2026 | 0.49% |
| Q4 2025 | 0.09% |
| Q3 2025 | 0.28% |
| Q2 2025 | 0.37% |
| Q1 2025 | 0.98% |
| Q4 2024 | 0.90% |
| Q3 2024 | 0.88% |
| Q2 2024 | 1.12% |
| Q1 2024 | 1.25% |
| Q4 2023 | 0.55% |
| Q3 2023 | 1.07% |
Bank of the Pacific by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 16.39% | 0.04% | 0.21% | 1.16% |
| Mar 31, 2026 | 16.22% | 0.09% | 0.49% | 1.01% |
| Dec 31, 2025 | 16.07% | 0.02% | 0.09% | 1.05% |
| Sep 30, 2025 | 15.86% | 0.05% | 0.28% | 1.20% |
| Jun 30, 2025 | 15.66% | 0.06% | 0.37% | 0.96% |
| Mar 31, 2025 | 16.21% | 0.17% | 0.98% | 0.87% |
| Dec 31, 2024 | 16.24% | 0.16% | 0.90% | 0.83% |
| Sep 30, 2024 | 16.64% | 0.16% | 0.88% | 1.02% |
| Jun 30, 2024 | 16.37% | 0.19% | 1.12% | 0.84% |
| Mar 31, 2024 | 16.43% | 0.22% | 1.25% | 1.03% |
| Dec 31, 2023 | 16.41% | 0.10% | 0.55% | 1.10% |
| Sep 30, 2023 | 16.41% | 0.18% | 1.07% | 1.29% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 23041) · FFIEC NIC profile (RSSD 307679)
Explore: Full Bank of the Pacific profile · Other banks in WA · Metric glossary · How the call report works