Pacific Alliance Bank: how it compares with its peers
Against 36 CA banks with half to twice its assets, Pacific Alliance Bank's strongest measure in Q2 2026 is efficiency ratio (46.16% vs. a 65.93% peer median). Its weakest relative measure is net interest margin (3.13% vs. 3.81%).
| Measure | Pacific Alliance Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 0.90% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 3.81% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.16% | 65.93% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $8.3M | Top third Ahead of 92% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.97% | 94.06% | Context |
What it means for lending operations
Its efficiency ratio of 46.16% is better than the 65.93% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Commerce Bank Claremont, CA · $423M
- Mega Bank San Gabriel, CA · $507M
- Liberty Bank, National Association Irvine, CA · $399M
- Community Bank of Santa Maria Santa Maria, CA · $397M
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- First Pacific Bank Whittier, CA · $514M
Questions about Pacific Alliance Bank
How big is Pacific Alliance Bank?
Pacific Alliance Bank, established in 2006, is headquartered in San Gabriel, CA. It reported $454M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Pacific Alliance Bank's return on assets?
1.56% annualized in Q2 2026, against a 0.90% median for 36 CA banks with half to twice its assets, ahead of 86% of them.
What is Pacific Alliance Bank's efficiency ratio?
46.16% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 65.93%, and lower is better.
Is Pacific Alliance Bank growing its loans?
Net loans grew 0.4% over the year to Q2 2026, while deposits grew 6.1%.
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 CA 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 California bank ranked.