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Pacific Crest Bank
Lynnwood, WA · FDIC Certificate #34585 · Chartered 01/0
Total assets
$318.49M
Total deposits
$239.88M
Total equity
$33.72M
Net loans
$239.10M
Branches (offices)
1
Net income (YTD)
$951.00K
Rank: #2,379 of 4,213 U.S. banks by assets · #20 of 28 in Washington. Assets changed -1.7% and deposits -4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.59% |
| Return on equity | 5.77% |
| Net interest margin (YTD) | 2.36% |
| Equity to assets | 10.59% |
| Tier 1 leverage ratio | 11.14% |
| Uninsured deposits (share of deposits) | 20.6% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 97.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $232.95M | 97.4% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $47.00K | 0.0% | |
| Construction & development | $31.63M | 13.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $276.49M | $221.02M | $1.83M | $29.66M |
| Jun 2023 | $287.67M | $223.89M | $1.44M | $31.58M |
| Jun 2024 | $307.55M | $242.32M | $794.00K | $33.14M |
| Jun 2025 | $324.05M | $249.88M | $1.00M | $32.52M |
| Jun 2026 | $318.49M | $239.88M | $951.00K | $33.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Washington | $239.88M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $239.88M.
Similar-sized banks
Guaranty Bank And Trust Company ($318.55M) · Alden State Bank ($318.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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