FDIC Cert #58234 · San Gabriel, California · Est. 2006

Pacific Alliance Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$440M
Total assets
B
Health grade · Good
0.53%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Pacific Alliance Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.47% Tier 1, 0.53% ROA, 79% efficiency ratio.

#1,956
largest of 4,313 FDIC banks by assets
55th
percentile by asset size, nationally
13.47%
Tier 1 ratio - above the 10% well-capitalized line
17th
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 58234 · CA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2778/4307
  • PHOTO-FINISH Town Center Bank · IL
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-THIN 0.53% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Town Center Bank, IL (±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 Pacific Alliance Bank

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

Morgan Stanley Bank,… · UT ·…100/100Community Bank Delaw… · DE ·…73/100Investar Bank, Natio… · LA ·…73/100Old Dominion Nationa… · VA ·…73/100Pacific Alliance Bank · CA ·…73/100Town Center Bank · IL · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pacific Alliance Bank · July 2026

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

Pacific Alliance Bank (FDIC Cert #58234) carries a PlainBankData health grade of B at 73/100, 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 #2,778 of 4,307. Tier 1 capital prints at 13.47%, clearing the 10% well-capitalized line. The Texas Ratio is 0.93%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.53%. Balance-sheet scale is $440M, 1,956th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Town Center Bank (IL), 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 Pacific Alliance Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Pacific Alliance Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Pacific Alliance Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

How Pacific Alliance Bank's 73/100 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 avg77/10073/100
Pacific Alliance Bank's composite health score
Tier 1 Capital Ratio (13.47%) 35/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (0.93%) 20/20
Efficiency Ratio (78.91%) 4/15

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

Balance sheet at a glance

Total Assets

$440M

Total balance-sheet footings

Total Deposits

$359M

Customer-funded liabilities

Net Loans

$339M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.07% 13.47% 14.87%
Basel III capital ratios - Pacific Alliance Bank

Where Pacific Alliance Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pacific Alliance Bank's score of 73/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pacific Alliance Bank 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

Pacific Alliance Bank'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). Pacific Alliance Bank's $440M falls in the highlighted band.

Capital & credit buffers at Pacific Alliance Bank

Tier 1 capital ratio
Well-capitalized 10%

13.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.47%
Texas Ratio
0.93%
Equity Capital
$56M

What these ratios mean →

Profitability metrics: Pacific Alliance Bank

Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
4.16%
Efficiency Ratio
78.91%

What these mean →

Income & expense at Pacific Alliance Bank

$26M
Interest Income
$271K
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pacific Alliance Bank reports a Texas Ratio of 0.93% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.93% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pacific Alliance Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($440M here), outside California so the neighborhood is not state containment.

The Peoples Bank $439M · SC FreedomBank $441M · IA Trinity Capital Bank of Texas $441M · TX The Casey County Bank, Inc. $439M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pacific Alliance Bank (FDIC Cert #58234) - 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.

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

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%