Bank Safety Analysis
Pacific West Bank: final safety record
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The largest change between Q1 2026 and Q2 2026 was in return on assets, which rose 0.29 percentage points to 0.44%. The median for banks in the $100M-1B asset tier is 10.95% on leverage ratio. Pacific West Bank sits 1.82 points lower, at 9.14% (Q2 2026). From Q3 2023 to Q2 2026, Pacific West Bank's Texas ratio ranged between 0.00% (Q1 2024) and 22.55% (Q2 2025). Between Q2 2025 and Q2 2026, Pacific West Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 3.24% to 2.98%, Texas ratio fell from 22.55% to 20.02% and return on assets rose from 0.15% to 0.44%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.14% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.14% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.98% are elevated; merits closer attention.
Texas Ratio of 20.0% is well below the 100% historical failure threshold.
Efficiency ratio of 82.0% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 20.02% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.98% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 69.69% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 325.59% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.61% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 20.02% |
| Q1 2026 | 20.22% |
| Q4 2025 | 20.54% |
| Q3 2025 | 21.66% |
| Q2 2025 | 22.55% |
| Q1 2025 | 2.33% |
| Q4 2024 | 2.25% |
| Q3 2024 | 2.23% |
| Q2 2024 | 2.27% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Pacific West Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.98% | 20.02% | 0.44% |
| Mar 31, 2026 | — | 2.92% | 20.22% | 0.15% |
| Dec 31, 2025 | — | 2.88% | 20.54% | 0.14% |
| Sep 30, 2025 | — | 3.06% | 21.66% | 0.34% |
| Jun 30, 2025 | — | 3.24% | 22.55% | 0.15% |
| Mar 31, 2025 | — | 0.34% | 2.33% | 0.10% |
| Dec 31, 2024 | — | 0.33% | 2.25% | 0.18% |
| Sep 30, 2024 | — | 0.33% | 2.23% | -0.01% |
| Jun 30, 2024 | — | 0.33% | 2.27% | -0.29% |
| Mar 31, 2024 | — | 0.00% | 0.00% | -0.31% |
| Dec 31, 2023 | — | 0.00% | 0.00% | -0.19% |
| Sep 30, 2023 | — | 0.00% | 0.00% | -0.27% |
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 57872) · FFIEC NIC profile (RSSD 3303944)
Explore: Full Pacific West Bank profile · Other banks in OR · Metric glossary · How the call report works