Side-by-side · Q2 2026 data
Baker-Boyer National Bank vs Pacific Crest Bank
Metric by metric
| Measure | Baker-Boyer National Bank | Pacific Crest Bank |
|---|---|---|
| TellerScore | 66 | 66 |
| Capital cushion | 43 | 61 (stronger) |
| Loan quality | 86 (stronger) | 84 |
| Earnings | 43 | 44 (stronger) |
| Funding & liquidity | 90 (stronger) | 55 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 31st | 31st |
| Total assets | $692.9M | $318.5M |
| Deposits / shares | $632.3M | $239.9M |
| Capital ratio | 9.25% | 11.14% (stronger) |
| Problem loans | 0.42% (stronger) | 0.47% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 0.58% | 0.59% (stronger) |
| Loans ÷ deposits | 60.4% (stronger) | 99.7% |
| Uninsured deposits | 23.6% | 20.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Baker-Boyer National Bank leads on 2 and Pacific Crest Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.