Side-by-side · Q2 2026 data
Pacific National Bank vs Climate First Bank
Metric by metric
| Measure | Pacific National Bank | Climate First Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 58 (stronger) | 47 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 66 | 69 (stronger) |
| Funding & liquidity | 73 (stronger) | 41 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 83rd | 49th |
| Total assets | $1.6B | $1.9B |
| Deposits / shares | $1.3B | $1.5B |
| Capital ratio | 10.80% (stronger) | 9.66% |
| Problem loans | 0.01% (stronger) | 0.12% |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 1.15% | 1.22% (stronger) |
| Loans ÷ deposits | 73.0% (stronger) | 107.2% |
| Uninsured deposits | 27.8% | 26.4% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.9% |
Pacific National Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 5 and Climate First Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.