Side-by-side · Q2 2026 data
Pacific Crest Bank vs UniBank
Metric by metric
| Measure | Pacific Crest Bank | UniBank |
|---|---|---|
| TellerScore | 66 (stronger) | 50 |
| Capital cushion | 61 (stronger) | 23 |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 44 (stronger) | 10 |
| Funding & liquidity | 55 | 76 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 31st | 7th |
| Total assets | $318.5M | $393.0M |
| Deposits / shares | $239.9M | $322.6M |
| Capital ratio | 11.14% (stronger) | 7.31% |
| Problem loans | 0.47% (stronger) | 0.54% |
| Net charge-offs | -0.00% | -1.39% (stronger) |
| Return on assets | 0.59% (stronger) | -0.25% |
| Loans ÷ deposits | 99.7% | 83.0% (stronger) |
| Uninsured deposits | 20.6% | 16.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Crest Bank has the higher TellerScore (66 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Pacific Crest Bank leads on 4 and UniBank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.