Side-by-side · Q2 2026 data
Pacific National Bank vs OptimumBank
Metric by metric
| Measure | Pacific National Bank | OptimumBank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 58 (stronger) | 55 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 66 | 98 (stronger) |
| Funding & liquidity | 73 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 83rd | 80th |
| Total assets | $1.6B | $1.4B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 10.80% (stronger) | 10.54% |
| Problem loans | 0.01% (stronger) | 0.18% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.15% | 1.95% (stronger) |
| Loans ÷ deposits | 73.0% (stronger) | 97.9% |
| Uninsured deposits | 27.8% (stronger) | 28.7% |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific National Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 5 and OptimumBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.