# PACIFIC CREST BANK
LYNNWOOD, WA · FDIC certificate 34585 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $318.5M | |
| Deposits | $239.9M | |
| Loans and leases | $242.9M | |
| Total equity | $33.7M | |
| Loans / deposits | 99.67% (p88 of band) | 82.04% |
| Liquid assets / assets | 23.53% (p45 of band) | |
| Uninsured deposits / deposits | 20.56% (p31 of band) | 25.97% |
| Brokered deposits | 7.65% | |
| Wholesale funding | 21.15% (p95 of band) | |
| FHLB advances / assets | 13.50% | |
| Tier 1 leverage | 11.14% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -5.46% (p60 of band) | -8.10% |
| AOCI / equity | 1.37% (p96 of band) | |
| ROA (annualized) | 0.59% (p14 of band) | 1.28% |
| Net interest margin | 2.36% (p2 of band) | 3.91% |
| Efficiency ratio | 74.06% (p81 of band) | |
| Noncurrent loans | 0.47% (p53 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 329.00% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 93.80% (p84 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | noncurrent p90 |
| 2011-09 | 4 | capital falling | loans exceed deposits |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | loans exceed deposits |  |
| 2013-06 | 1 |  | reserve under noncurrent, loans exceed deposits |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 4 | reserve under noncurrent, construction >100% equity |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 |  | reserve under noncurrent, construction >100% equity |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | loans exceed deposits |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | construction >100% equity |  |
| 2017-03 | 2 | charge-offs p90 | construction >100% equity |
| 2017-06 | 2 | construction >100% equity | charge-offs p90 |
| 2017-09 | 1 | capital falling | wholesale funding >15%, construction >100% equity |
| 2017-12 | 2 | construction >100% equity |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | construction >100% equity |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | loans exceed deposits, deposits shrinking |  |
| 2019-09 | 3 | wholesale funding >15%, uninsured deposits leaving | loans exceed deposits |
| 2019-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 3 | loans exceed deposits, capital falling |  |
| 2020-06 | 1 |  | loans exceed deposits, capital falling |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | wholesale funding >15% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 2 | brokered >10% | uninsured deposits leaving |
| 2023-12 | 2 | capital falling | brokered >10% |
| 2024-03 | 4 | brokered >10%, NIM <2.5% |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | capital falling, brokered >10% |
| 2024-12 | 3 | brokered >10% |  |
| 2025-03 | 5 | capital falling, construction >100% equity |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 3 |  | brokered >10%, capital falling |
| 2025-12 | 2 |  | construction >100% equity |
| 2026-03 | 3 | deposits shrinking |  |
| 2026-06 | 2 |  | deposits shrinking |

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

- 2026-08-21 [Washington's Best Workplaces 2026: Pacific Crest Bank - The Business Journals](https://news.google.com/rss/articles/CBMizgFBVV95cUxPV3NxOW5FcXB0R0Ytb1FTUDNMZDRIdElXMEliN056NDRGbnZMZ1JraGNSUDIzNGkzLW03V0xRaEVJYzN2M0lIYXJTSDhmS1FMU2hJZTZiSktfRGZBbHhkcGkyaW5xa0o2TERTZUFlZk5lNWpUSjdrVXViSldYa2xzdWphc3RUcGhqZDRSWEo3czljMXA3a0JfYk5MYU1NNDNUejZjM05nWVNxTEZzX2hiaXhWdjVGZWxJVzgtc0tKTHlWdnd1NFdWekMwZ25Cdw?oc=5) · The Business Journals
- 2025-08-28 [Pacific Crest Savings Bank Has a New Name - 425business.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPMnc1LVBaa1g3dFJ6R0M5Rk5VWWhwVHl6cmJOSHR5a2pfMTVqUVRlVlQ1bmFvcG50Q3MxM3lpQWQ4X2RCNjc1bi05MlVQV2I1aE1DcGdUNWFjS3RWVXhDMGhRWEw1bjktVEhkN3FIYVJtckRoVVB2SzA2c3BzVWZrRnpqVUhKeXUwbk5oRGJVVGxHaW5DVkJMLVpMOTBEZUg5NzBDNmJZVUNKS2x6a28tUVRIWl9XVXUwWU9nX3pNV01hT0RYMUE?oc=5) · 425business.com
- 2026-08-21 [Washington's Best Workplaces 2026: Avier Wealth Advisors - The Business Journals](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOT2tPSVlDMjdWaUdsdXZtN00yU3EzX2xIc0tWT1RPcy1vS2hDWEdneXlMMVFVcWhDTlB0QzhaZ3daMmhtNlJ0c1NWdGpnYS1CdTdmTy1XZHJEU0lpYkpCSkQ2eXZLbC1abXdOYjBMTnRjcEhNQnVSa09hakVRX00ycGFZaHdDZ1AtVGhjVmZhYVlGUjB2Nlp6cnlWcDZ5LTAwOGdsSFA1OEpaWTV4dEdnazVET3JER3JaNzVMNF8tR2hHaWFZUFIwd2lDM1FwZjlmLVE?oc=5) · The Business Journals
- 2026-06-02 [Business Journal unveils the 100 best workplaces in WA for 2026 - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOYXltdTNhanFqbnEyRW8zclZsM09QMDhnMzlYUHRNQy04ZUhLYVY1WVBWcm5GUnRxR2RPOGxSQWJKSDRPMDFvRklnV3h5M2YyWnlIWnBpMmpWYVN4RFFUNWtsT3A5UGI1cVg3SjZoWkRpRy0yd3BZR3BWTmFjSzEwT3Q5MnlLMTl0ck1mc2owYmdsUHdScmxzek5vbFotY3RQRDFWZw?oc=5) · The Business Journals
- 2026-08-23 [Washington's Best Workplaces 2026 - The Business Journals](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaC1qbjQ5am1HTjlDLWdsNklTam1xZ05xOGFzdFUzQUNMUXlobktFNHNaQVJ3UmtWQ19lQTlkUmF6aE55UXFUd083RlV4YUZfTHdBVU5qNGY3Y1BaaFIxZGs1eGU0akFaWXZWb1UwSHhDQk80c2R1cTBrVWt6aUFsOA?oc=5) · The Business Journals
- 2025-05-28 [These 100 companies land among Washington's Best Workplaces - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMWNhcEFSY1hZUlF6SnhIbW5NQkFlY0J5RlJ0U0RrU09GMmY5b1ZNdW5sSHJOZWRBcVhSU0xoUjA5ODNNdXFBSGpiNnFBNkh6bFZ1Q2g4TXhwNEkxWHJwZEdSd1hyTjhWeGtmZTFFeUVNbDJ4UzBsUTBFSTJ4cGRXYmdVV0tET21tVEM3aWJrVTE4dXN4ZEJ1aGpiaHA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34585 (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/25.json (key "34585", 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