Pacific Crest Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Pacific Crest Bank's strongest measure in Q2 2026 is assets per employee ($19.9M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (2.36% vs. 3.94%).
| Measure | Pacific Crest Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.59% | 1.29% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.36% | 3.94% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.06% | 62.07% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $19.9M | $6.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.67% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 74.06% is above the 62.07% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Alden State Bank Alden, MI · $318M
- Guaranty Bank and Trust Company New Roads, LA · $319M
- Community State Bank of Rock Falls Rock Falls, IL · $318M
- Bank of Yazoo City Yazoo City, MS · $318M
- Citizens Bank and Trust Company of Ardmore Ardmore, OK · $319M
- Centera Bank Sublette, KS · $318M
Questions about Pacific Crest Bank
How big is Pacific Crest Bank?
Pacific Crest Bank, established in 1998, is headquartered in Lynnwood, WA. It reported $318M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pacific Crest Bank's return on assets?
0.59% annualized in Q2 2026, against a 1.29% median for 1000 U.S. banks with half to twice its assets, ahead of 14% of them.
What is Pacific Crest Bank's efficiency ratio?
74.06% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 62.07%, and lower is better.
Is Pacific Crest Bank growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits shrank 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Washington bank ranked.