FDIC Cert #57872 · West Linn, Oregon · Est. 2004

Pacific West Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$386M
Total assets
D
Health grade · Weak
0.18%
Return on assets
9.8%
Tier 1 capital

Data updated July 2026

The verdict

Pacific West Bank earns a PlainBankData health grade of D (35/100), with 9.80% Tier 1 capital, 0.18% ROA, 88% efficiency ratio.

#2,130
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
9.80%
Tier 1 ratio - below the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 57872 · OR D · 35/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (35/100)
  • BOTTOM-DECILE #4263/4307
  • PHOTO-FINISH Crown Bank · MN
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-HEALTHY 20.5% Texas
  • ROA-THIN 0.18% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Crown Bank, MN (±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 West Bank

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

Morgan Stanley Bank,… · UT ·…100/100Crown Bank · MN · near35/100Farmers State Bank · IL · ne…35/100Pacific West Bank · OR · thi…35/100Gogebic Range Bank · MI · ne…34/100Slovenian Savings an… · PA ·…34/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pacific West Bank · July 2026

What Pacific West Bank's Call Report plate shows

Pacific West Bank (FDIC Cert #57872) carries a PlainBankData health grade of D at 35/100, 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 #4,263 of 4,307. Tier 1 capital prints at 9.80%, missing the 10% well-capitalized line. The Texas Ratio is 20.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.18%. Balance-sheet scale is $386M, 2,130th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Crown Bank (MN), 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 West Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Pacific West Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Pacific West Bank remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

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

How Pacific West Bank's 35/100 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 avg77/10035/100
Pacific West Bank's composite health score
Tier 1 Capital Ratio (9.80%) 18/40
Return on Assets (ROA) (0.18%) 7/25
Texas Ratio (20.54%) 10/20
Efficiency Ratio (87.78%) 0/15

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

Balance sheet at a glance

Total Assets

$386M

Total balance-sheet footings

Total Deposits

$342M

Customer-funded liabilities

Net Loans

$273M

Outstanding loan book

Net Income

$650K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.4% 9.8% 11.2%
Basel III capital ratios - Pacific West Bank

Where Pacific West Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pacific West Bank's score of 35/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

35 1st percentile higher than 1% 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%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pacific West 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 West 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 West Bank's $386M falls in the highlighted band.

Safety ratios for Pacific West Bank

Tier 1 capital ratio
Well-capitalized 10%

9.80% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.80%
Texas Ratio
20.54%
Equity Capital
$36M

What these ratios mean →

Profitability metrics: Pacific West Bank

Return on Assets (ROA)
8th percentile nationally
0.18%
Return on Equity (ROE)
1.88%
Efficiency Ratio
87.78%

What these mean →

Income & expense at Pacific West Bank

$19M
Interest Income
$1M
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 West Bank reports a Texas Ratio of 20.54% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

20.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Pacific West Bank

Pacific West Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.80% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Pacific West Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

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

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($386M here), outside Oregon so the neighborhood is not state containment.

Wolf River Community Bank $386M · WI First National Bank & Trust Company $386M · IL The Shelby State Bank $386M · MI Lakeside Bank $386M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pacific West Bank (FDIC Cert #57872) - 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 West Bank Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Columbia BankRoseburg $66.8B A 1.00%
Summit BankEugene $1.3B A 1.17%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
Pioneer Trust Bank, National AssociationSalem $735M A 2.32%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%