FDIC Cert #23041 · Aberdeen, Washington · Est. 1979

Bank of the Pacific - FDIC Bank Health Profile

A community-scale look at Bank of the Pacific's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
A
Health grade · Excellent
1.03%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of the Pacific earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.07% Tier 1, profitable at 1.03% ROA, 70% efficiency ratio.

#861
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
16.07%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 23041 · WA A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #892/4307
  • PHOTO-FINISH The American Nationa… · TX
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-PAR 1.03% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: The American National Bank of Mount Pleasant, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of the Pacific

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of the Pacific · WA · t…88/100First Citizens Bank · AL · n…88/100Hickory Point Bank a… · IL ·…88/100South Louisiana Bank · LA · …88/100The American Nationa… · TX ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of the Pacific · July 2026

Call Report read for Bank of the Pacific in a high-failure state

Bank of the Pacific (FDIC Cert #23041) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #892 of 4,307. Tier 1 capital prints at 16.07%, clearing the 10% well-capitalized line. The Texas Ratio is 0.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $1.3B, 861st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The American National Bank of Mount Pleasant (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of the Pacific

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Bank of the Pacific sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Bank of the Pacific's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How Bank of the Pacific's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Bank of the Pacific's composite health score
Tier 1 Capital Ratio (16.07%) 40/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (69.74%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$766M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.67% 16.07% 17.47%
Basel III capital ratios - Bank of the Pacific

Where Bank of the Pacific ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of the Pacific's score of 88/100 falls in the highlighted band.

Bank of the Pacific: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of the Pacific 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of the Pacific's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of the Pacific's $1.3B falls in the highlighted band.

Capital & credit buffers at Bank of the Pacific

Tier 1 capital ratio
Well-capitalized 10%

16.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.07%
Texas Ratio
0.08%
Equity Capital
$139M

What these ratios mean →

Earnings posture at Bank of the Pacific

Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
9.57%
Efficiency Ratio
69.74%

What these mean →

Income & expense at Bank of the Pacific

$60M
Interest Income
$6M
Non-Interest Income
$38M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of the Pacific reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of the Pacific on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Washington so the neighborhood is not state containment.

Farmers State Bank $1.3B · IN Summit Bank $1.3B · OR Coastal Carolina National Bank $1.3B · SC First Harrison Bank $1.3B · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of the Pacific (FDIC Cert #23041) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of the Pacific Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%