Pacific Crest Bank
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Data as of · sourced from FFIEC call reports. How we update
Pacific Crest Bank is an FDIC-insured savings bank headquartered in Lynnwood, WA, established in 1998 (FDIC certificate 34585), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $318.5M, down 1.7% from Q2 2025, the 20th largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 14.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34585
- Headquarters
- Lynnwood, WA
- Established
- 1998
- Total assets, Q2 2026
- $318.5M
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 14.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 125184610
- Holding company
- PACIFIC CREST BANCORP, INC.
- Asset rank in state
- 20th of 29 in Washington
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 0.47% and a Texas ratio of 3.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pacific Crest Bank is the 20th largest of the 29 banks headquartered in Washington. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $318.5M, loans rose 2.6% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by multifamily loans, at 37.1% of total loans, followed by non-owner-occupied commercial real estate loans at 21.1%. Its one office in the FDIC Summary of Deposits is in Lynnwood, WA. Judged on its Q2 2026 call report, Pacific Crest Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Pacific Crest Bank's total assets moved between a low of $304.3M (Q3 2023) and a high of $331.2M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$318.5M total assets against $324.0M; $284.8M total liabilities against $291.5M.
$239.1M net loans and leases against $235.9M; $239.9M total deposits against $249.9M.
$30.6M securities against $29.2M; $44.3M cash and balances due against $54.4M.
$4.3M total interest income against $4.6M; $2.4M total interest expense against $2.8M.
$1.9M net interest income against $1.8M.
$8K total noninterest income against $4K; $1.4M total noninterest expense against $1.3M.
$25K provision for credit losses against $0.
$510K net income against $522K.
0.64% return on assets against 0.63%; 2.47% net interest margin against 2.24%.
14.79% CET1 capital ratio against 15.30%; 11.14% tier 1 leverage ratio against 10.98%.
Inside the full Pacific Crest 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.
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
Its closest position to the top of a national ranking is 931 of 2,134, for CET1 ratio; its furthest is 3,099 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q4 2024) to 0.72% (Q3 2025) and its net interest margin ran from 2.07% (Q4 2024) to 2.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.79% | 0.64% | 0.47% | 3.05% | 2.47% |
| Q1 2026 | 15.07% | 0.55% | 0.49% | 3.22% | 2.33% |
| Q4 2025 | 15.41% | 0.58% | 0.52% | 3.30% | 2.29% |
| Q3 2025 | 16.15% | 0.72% | 0.54% | 3.27% | 2.38% |
| Q2 2025 | 15.30% | 0.63% | 0.53% | 3.48% | 2.24% |
| Q1 2025 | 15.04% | 0.59% | 0.54% | 3.54% | 2.24% |
| Q4 2024 | 15.21% | 0.41% | 0.57% | 3.60% | 2.07% |
| Q3 2024 | 15.30% | 0.62% | 0.71% | 4.32% | 2.15% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Crest Bank (main office) | Lynnwood , WA | 98037 | $239.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WA, rank 39 of 61 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.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 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.
Where is Pacific Crest Bank headquartered?
It is headquartered in Lynnwood, WA, United States.
When was Pacific Crest Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Pacific Crest Bank FDIC-insured?
Yes. It 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.
What is Pacific Crest Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.05% 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.
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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