Pacific Alliance Bank
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Data as of · sourced from FFIEC call reports. How we update
Pacific Alliance Bank is an FDIC-insured commercial bank headquartered in San Gabriel, CA, established in 2006 (FDIC certificate 58234), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $454.4M, up 6.0% from Q2 2025, the 81st largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.37% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58234
- Headquarters
- San Gabriel, CA
- Established
- 2006
- Total assets, Q2 2026
- $454.4M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 13.37%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 122244511
- Latest call report
- Q2 2026, FFIEC 051 · Pacific Alliance Bank call report
- Asset rank in state
- 81st of 113 in California
Pacific Alliance Bank pays more for its money than most banks of its size. Its balance sheet stood at $454 million at June 30, 2026, up 6.0% from a year earlier; it is based in San Gabriel, California. It pays an average of 3.42% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
Net income for the quarter slipped 30% from a year earlier, to $913,000. Over the same year, loans grew 0.3% and deposits grew 6.1%. Its margin is thin by comparison: it keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Pacific Alliance Bank reported a return on assets of 0.80%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pacific Alliance Bank is the 81st largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $454.4M, loans fell 0.3% and deposits rose 0.7%. Non-owner-occupied commercial real estate loans made up 48.6% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.4%. The FDIC Summary of Deposits lists 3 offices for it, in San Gabriel, CA, Rowland Heights, CA and Irvine, CA; its San Gabriel office books 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pacific Alliance Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 641 W Las Tunas Dr, San Gabriel, CA 91776
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 27, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $369.2M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $454.5M
- Average total loans
- $349.2M
- Average interest-bearing deposits
- $352.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 27, 2006
- FDIC Cert
- 58234
- Fed RSSD
- 3546862
- Website
- www.pacificalliancebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Pacific Alliance Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Pacific Alliance Bank's total assets moved between a low of $381.0M (Q2 2024) and a high of $454.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$454.4M total assets against $428.6M; $394.9M total liabilities against $373.3M.
$343.2M net loans and leases against $341.8M; $369.2M total deposits against $348.0M.
$22.7M securities against $21.2M; $69.9M cash and balances due against $48.7M.
$6.7M total interest income against $6.9M; $3.3M total interest expense against $3.5M.
$3.4M net interest income against $3.4M.
$58K total noninterest income against $67K; $2.2M total noninterest expense against $1.7M.
$0 provision for credit losses against -$150K.
$913K net income against $1.3M.
0.80% return on assets against 1.21%; 3.09% net interest margin against 3.23%.
13.37% tier 1 leverage ratio against 13.31%.
Inside the full Pacific Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
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 Alliance Bank rankings
Its closest position to the top of a national ranking is 1,887 of 4,196, for total assets; its furthest is 2,889 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.42% (Q4 2025) to 2.31% (Q1 2026) and its net interest margin ran from 2.37% (Q1 2025) to 3.23% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.37% | 0.80% | 0.16% | 0.86% | 3.09% |
| Q1 2026 | 13.41% | 2.31% | 0.16% | 0.88% | 3.06% |
| Q4 2025 | 13.47% | -0.42% | 0.17% | 0.93% | 3.06% |
| Q3 2025 | 13.27% | 0.86% | 0.91% | 4.82% | 3.01% |
| Q2 2025 | 13.31% | 1.21% | 0.18% | 1.01% | 3.23% |
| Q1 2025 | 13.06% | 0.47% | 1.66% | 8.85% | 2.37% |
| Q4 2024 | 13.75% | -0.07% | 0.16% | 0.83% | 2.46% |
| Q3 2024 | 14.43% | 0.28% | 0.20% | 1.00% | 2.63% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pacific Alliance Bank (main office) | San Gabriel , CA | 91776 | $285.2M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $56.8M |
| Irvine Branch | Irvine , CA | 92604 | $27.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 117 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $4.5M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pacific Alliance Bank
What are Pacific Alliance Bank's total assets?
As of the Q2 2026 filing, Pacific Alliance Bank reported total assets of $454.4 million in its FFIEC call report.
Where is Pacific Alliance Bank headquartered?
It is headquartered in San Gabriel, CA, United States.
When was Pacific Alliance Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Pacific Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pacific Alliance Bank?
Pacific Alliance Bank's primary federal regulator is the FDIC.
How many branches does Pacific Alliance Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pacific Alliance Bank's Texas Ratio?
Its Texas Ratio is 0.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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