FDIC Cert #34585 · Lynnwood, Washington · Est. 1998

Pacific Crest Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$328M
Total assets
B
Health grade · Good
0.63%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Pacific Crest Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.41% Tier 1, 0.63% ROA, 72% efficiency ratio.

#2,367
largest of 4,313 FDIC banks by assets
45th
percentile by asset size, nationally
15.41%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 34585 · WA B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2212/4307
  • PHOTO-FINISH Edison National Bank · FL
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-THIN 0.63% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Edison National Bank, FL (±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 Crest Bank

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

Morgan Stanley Bank,… · UT ·…100/100American Metro Bank · IL · n…78/100Edison National Bank · FL · …78/100First Trust Bank of… · IL · …78/100Pacific Crest Bank · WA · th…78/100Premier Bank · IA · near78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pacific Crest Bank · July 2026

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

Pacific Crest Bank (FDIC Cert #34585) carries a PlainBankData health grade of B at 78/100, 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 #2,212 of 4,307. Tier 1 capital prints at 15.41%, clearing the 10% well-capitalized line. The Texas Ratio is 3.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.63%. Balance-sheet scale is $328M, 2,367th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Edison National Bank (FL), 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 Crest Bank

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

Pacific Crest Bank 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 Pacific Crest Bank'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 Pacific Crest Bank's 78/100 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 avg77/10078/100
Pacific Crest Bank's composite health score
Tier 1 Capital Ratio (15.41%) 40/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (3.30%) 20/20
Efficiency Ratio (71.82%) 4/15

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

Balance sheet at a glance

Total Assets

$328M

Total balance-sheet footings

Total Deposits

$248M

Customer-funded liabilities

Net Loans

$228M

Outstanding loan book

Net Income

$2M

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.) 14.01% 15.41% 16.81%
Basel III capital ratios - Pacific Crest Bank

Where Pacific Crest Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pacific Crest Bank's score of 78/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% 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 Crest 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 Crest 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 Crest Bank's $328M falls in the highlighted band.

Capital & credit buffers at Pacific Crest Bank

Tier 1 capital ratio
Well-capitalized 10%

15.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.41%
Texas Ratio
3.30%
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Pacific Crest Bank

Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
6.20%
Efficiency Ratio
71.82%

What these mean →

Income & expense at Pacific Crest Bank

$18M
Interest Income
$23K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pacific Crest Bank reports a Texas Ratio of 3.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pacific Crest Bank 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 ($328M here), outside Washington so the neighborhood is not state containment.

CLB The Community Bank $328M · LA Security Bank Midwest $328M · SD The Harvard State Bank $328M · IL First Southern Bank $328M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pacific Crest Bank (FDIC Cert #34585) - 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 Crest Bank 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%