Pacific Crest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pacific Crest Bank of Lynnwood, WA against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.25% | -0.61% | 16th bottom |
| ROAE | 6.16% | 12.22% | -6.06% | 17th bottom |
| Net Interest Margin | 2.47% | 3.95% | -1.48% | 2nd bottom |
| Efficiency Ratio | 69.71% | 63.71% | +6.00% | 28th below |
| PPNR / Avg Assets | 0.67% | — | — | 10th bottom |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 3.39% | 1.87% | +1.52% | 2nd bottom |
| Net Interest Spread | 1.97% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.88% | -0.41% | 47th below |
| NPA / Total Assets | 0.36% | — | — | 47th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 1.55% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 329.00% | — | — | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.05% | 5.96% | -2.91% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.79% | 17.18% | -2.39% | 47th below |
| Tier 1 Ratio | 14.79% | 17.21% | -2.42% | 47th below |
| Total Capital Ratio | 16.05% | — | — | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.14% | 11.75% | -0.61% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.59% | 10.98% | -0.39% | 53rd above |
| TCE / Tangible Assets | 10.59% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.24% | 80.44% | +20.80% | 10th bottom |
| Core Deposit Ratio | 74.44% | 86.95% | -12.51% | 8th bottom |
| Wholesale Funding Ratio | 13.50% | — | — | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.72% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 1.35% | — | — | 27th below |
| Deposit Growth (Y/Y) | -4.00% | — | — | 8th bottom |
See Pacific Crest Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pacific Crest Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pacific Crest Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pacific Crest Bank peer analysis.