# PACIFIC CONTINENTAL BANK
EUGENE, OR · FDIC certificate 20774 · asset band $1-10B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.54B | |
| Deposits | $2.10B | |
| Loans and leases | $1.88B | |
| Total equity | $331.0M | |
| Loans / deposits | 88.57% (p47 of band) | 89.41% |
| Liquid assets / assets | 20.61% (p49 of band) | |
| Uninsured deposits / deposits | 50.73% (p90 of band) | 25.99% |
| Brokered deposits | 5.45% | |
| Wholesale funding | 9.50% (p49 of band) | |
| FHLB advances / assets | 3.97% | |
| Tier 1 leverage | 10.72% (p67 of band) | 10.05% |
| Unrealized securities loss / equity | -0.33% (p31 of band) | -0.01% |
| AOCI / equity | 0.51% (p47 of band) | |
| ROA (annualized) | 1.27% (p77 of band) | 1.02% |
| Net interest margin | 4.21% (p88 of band) | 3.52% |
| Efficiency ratio | 50.46% (p15 of band) | |
| Noncurrent loans | 0.58% (p55 of band) | 0.54% |
| Net charge-offs (annualized) | 0.15% (p84 of band) | |
| Reserve coverage of noncurrent | 214.06% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 54.94% (p65 of band) | |
| Auto loans | $57,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 339 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | wholesale funding >15%, capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 | capital falling | wholesale funding >15% |
| 2013-03 | 2 | wholesale funding >15% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | capital falling, wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 | uninsured deposits >50% | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | uninsured deposits >50% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits >50% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-11-01 [Columbia Banking System Announces Completion of Acquisition of Pacific Continental Corporation - PR Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQMTFzOGNDVzRjQk50cTl4QXlRUm1LRV9lX241cEZWcU1Tc01XUjhfTFdUZ21lNzhRMlEtUFVoM1J3YVFzWkItcG43MkhPNFN5ZUxwcXJiXzBEVUtXbHBfRG1KNi1HUW4yNXFtcHFjbkh1SjRTb1daZms4VS1WdThlRkF3enNpWVlLMW1QQlF2ZFpBS2M4Qi1OZUJEUXZKLU80VkpmSFF1YTJyVDIteUswZlRKamduaDViSFMtUTlENEU2TVJGZnV2NUFPOUdmTkZZdm5JM1ZMWl9VWjhOSDNkdDRXenE?oc=5) · PR Newswire
- 2016-04-05 [Banking on People, Banking on Culture - oregonbusiness.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9QeE1rUl82U0hmVmxkbXRtY3lSRm8tem1MY0EwaVdPY2xTQ0lFaW5tMWMtbTVwd0wzcUVMYnRRclppb25EOU1BQWU3bGZhN0pnZlJCVWRzRmZRNG5GUUhSUC1oSGc1ZTFKaktaVkZib0F5LWRBT3c2YnV3?oc=5) · oregonbusiness.com
- 2014-11-20 [Pacific Continental Bank acquires Capital Pacific for $42.4 million - OregonLive.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxObGotU2JON3M4MTVLUDFDQWZmRndCYV9iclFrZy02UXBRbWpSY3ItSWdRRmhHdHhZUG1vVXRXUERpTzBkTnhITVQwVWU4YVZPNVlFVzJGZjl4ZVpMY0I1V3RreG55dGZVUl81YXN1UGdpLXpEdVZTMS13ZlFUaDdxMXVR?oc=5) · OregonLive.com
- 2015-12-18 [Pacific Continental Bank ready for big things in 2016 - Vancouver Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOLXNKUXgzOUdOMFRPc2dmSkg4cHhpZ042RU9RSmhyMGpvcUhmSXhCUkw3alBUcDlUM3M0Tzh0TzNBV1BpUHg0TklwMndCZnRrTDNFSWJDWERnZlFxVXR6Y2NoOUtCVWZQSjFLbnVyXzBkQmZOQXVtWHJkZTVBUDByNWdTektwSU9RWFRwOXJUcTFKSEQ5OUpjR2J6ZHUtdkNFWlhF0gGoAUFVX3lxTE1aZ1FpWjNWY0Z6R2dWUndMNk9UTlFDN2pBRWFYd1BQVWNpbHdCcGFZa0xSYTNJaVRUbFM1ZWtuWGloeWJXY0xIYVFlTWxISzA2eXJYTTV4T2JVbl9nSkJLWUMybWdDaUtQNDdrNTMtbUhKX1NmbzBpT1RUb1A4eEVKaWJzOTRodFNyREVNdEE4RWtTS25GeXBfSVA2cGdNQnVXY1ZXUjZodg?oc=5) · Vancouver Business Journal
- 2018-07-29 [Oregon Pacific Bank in expansion mode - The Register-Guard](https://news.google.com/rss/articles/CBMiowFBVV95cUxNYVY3YVpTMFp6bThLdndwTngwb2hOUDh2NkRCNVVtRmplNDMtYkNhUEJwX1ZSb1lmbjJCV0ItMlJrbUdfb1lzOUtwZ3V0TTIzT0RnUVhxWlBSRTl3a0V5eGI0VDNCUHJFamVNcmFuY2otUWJhODlrZENjOEVKTVFaWXdQd0xXYUF1bXFPSXMzajBxWTJPdVBFMWRzVC1qZnNGYzl3?oc=5) · The Register-Guard
- 2014-12-19 [Faces of The List: Roger Busse, incoming CEO, Pacific Continental Bank - The Business Journals](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbmxGd0EtUjB4YlNqNHBPdnJuc0d1M1pvci0zaHV4OHZ2bS1wLS13NnVtTmM0Z3FfZFJmOE1ELTZhdkxBUGRocW9RY290S3daUzZnVEMtckt4cUdIZ090c2dBem50TkhKS0EwaGtnUnYzd1dZazBNZzZ5eXIyOU9WS3N3RFRaMVdlME5XNUVFRlRmQng0ZFpzV1ZKUmxvQi0wT3d2X0xiTkl0di1LSDVlTEJzRTktMFR2?oc=5) · The Business Journals
- 2017-10-17 [Columbia Banking System And Pacific Continental Corporation Announce Shareholder Approval Of Merger-Related Proposals - PR Newswire](https://news.google.com/rss/articles/CBMigwJBVV95cUxQZzZ0TVFZRTd0UXNLX3ZvVHhsWTlzTC16UEF2UlFhX192UklVSHVwZDVIeVBjWWstYVF4ZWNaMFdYeGdsdHFPellvSVVqVVZpVXVFU3JmMmhYeUF0TF9TWlFNRzNKY1V6Unk4TWtES1gzYWNSQ05UZkxhV3I4M1dGanYzLUN6UDNzdTllNnYxaHhtRlUzMlV6VHVxMFNDUTROR1FMNlJKYTI2NTRXblhNRThURTdaSEgwWTVxSXJ6VUJXalk3MWhNeHZybFRmQ2JvUUl3Rkhub01LMnBIN3NBNTcteHZpNjMwNEZ1LXRycldlWDNTZzB3R3BMbDV3b0oyWnVR?oc=5) · PR Newswire
- 2013-08-23 [Berjac victims sue Jack Holcomb, Umpqua Bank, Pacific Continental Bank and accounting firm - OregonLive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVXZya2xnUTNCTGZMZ01rMm53T3pXUktWWTVQc0JPY2djTVd6dlZteDFMbDFyalY5Z0ZBaDFkTUZNYTc4TVFNaDFUNlFORjFKN1o0WG44R0l2aUIxVjRsMnA5cThaRHcxT0pKVVU1aXl5aUJuSXk5Y1VvOGc0dFFaaUk4R0NTdw?oc=5) · OregonLive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20774 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "20774", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide