TellerScore

Pacific Crest Bank (FDIC certificate #34585) is based in Lynnwood, Washington. Its Q2 2026 call report shows $318.5M in total assets and $239.9M in deposits and 1 office.

Pacific Crest Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 17th. Problem-loan coverage contributes the most (94/100, 3.1%); earnings contributes the least (44/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.14%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 99.7% · 20.6% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.05%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).

TellerScore
656667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202466
Q1 202567
Q2 202566
Q3 202567
Q4 202566
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%8.22%11.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.13%
Q3 202411.16%
Q4 202411.10%
Q1 202511.04%
Q2 202510.98%
Q3 202511.43%
Q4 202510.76%
Q1 202610.96%
Q2 202611.14%
Noncurrent loans
0.47%0.59%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.71%
Q4 20240.57%
Q1 20250.54%
Q2 20250.53%
Q3 20250.54%
Q4 20250.52%
Q1 20260.49%
Q2 20260.47%
Return on assets
0.51%0.58%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.54%
Q4 20240.51%
Q1 20250.59%
Q2 20250.62%
Q3 20250.65%
Q4 20250.63%
Q1 20260.55%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$318.5M11.14%0.47%0.59%99.7%
Q1 202666$318.7M10.96%0.49%0.55%96.5%
Q4 202566$328.0M10.76%0.52%0.63%92.0%
Q3 202567$324.2M11.43%0.54%0.65%93.5%
Q2 202566$324.0M10.98%0.53%0.62%94.4%
Q1 202567$331.2M11.04%0.54%0.59%90.6%
Q4 202466$316.7M11.10%0.57%0.51%92.6%
Q3 202465$323.1M11.16%0.71%0.54%90.5%
Q2 202465$307.6M11.13%0.64%0.51%89.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.14%
53rd
Total risk-based capital16.05%
73rd
Problem loans0.47%
47th
Net charge-offs-0.00%
79th
Return on assets0.59%
15th
Net interest margin2.36%
2nd
Efficiency ratio74.1%
22nd
Loans to deposits99.7%
11th
Uninsured deposits20.6%
62nd
Loan-loss reserves1.55%
82nd
Texas ratio3.1%
48th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs
UniBankBank Lynnwood, WA50 out of 100, Below average$393.0M7.3%0.54%vs
Liberty BankBank Poulsbo, WA57 out of 100, Moderate$206.0M9.4%0.14%vs
Increase BankBank Longview, WA71 out of 100, Strong$150.7M9.6%0.00%vs
Portage BankBank Bellevue, WA44 out of 100, Below average$116.2M7.5%1.13%vs
Baker-Boyer National BankBank Walla Walla, WA66 out of 100, Moderate$692.9M9.3%0.42%vs

Deposit insurance

Is my money safe at Pacific Crest Bank?

Yes. Pacific Crest Bank is an FDIC-insured institution (FDIC certificate #34585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.6% of deposits ($49.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.05% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Pacific Crest Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pacific Crest Bank
Former names
Pacific Crest Savings Bank; Phoenix Savings Bank
Type
SI
FDIC certificate #
34585
RSSD ID
2643595
Primary regulator
FDIC
Holding company
Pacific Crest Bcorp Inc
Established
January 2, 1998
Headquarters
3500 188th St Sw, Lynnwood, WA 98037
Employees
16

Quick answers

Pacific Crest Bank: common questions

Is Pacific Crest Bank FDIC insured?

Yes. Pacific Crest Bank is an FDIC-insured institution (FDIC certificate #34585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pacific Crest Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pacific Crest Bank ever failed?

There is no failure record for FDIC certificate #34585 in the FDIC failed bank list.

How many branches does Pacific Crest Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lynnwood

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs