BlastPoint's Banking Scorecard
Pacific Crest Bank
Micro
Specialty: Commercial
WA
FDIC cert 34585
Designations: ✓ Community bank
Lynnwood, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Pacific Crest Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.59% below tier
- - Non-Interest-Bearing Deposit Share 17.80% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$328.0M
+3.6% YoY
+1.2% QoQ
|
+$110.5M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$227.7M
-0.6% YoY
+0.5% QoQ
|
+$88.5M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$247.6M
+0.1% YoY
+2.2% QoQ
|
+$63.9M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.63%
+23.6% YoY
-3.0% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.27%
+8.7% YoY
-0.2% QoQ
|
-1.59% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
71.82%
-3.6% YoY
+1.8% QoQ
|
+4.09% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.53%
-9.0% YoY
-3.1% QoQ
|
-0.11% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
91.96%
-0.7% YoY
-1.6% QoQ
|
+17.44% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
4.60%
+80.4% YoY
+24.1% QoQ
|
-17.80% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-12.7% YoY
-3.7% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
15.41%
+1.3% YoY
-4.6% QoQ
|
+6.56% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.01%
-23.4% YoY
+33.7% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.27%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.60%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Total Loans
Current: $227.7M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $328.0M · Tier avg: $217.5M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 8.85%
71
71th pctile
Total Deposits
Current: $247.6M · Tier avg: $183.7M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
36
36th pctile
Efficiency Ratio
Current: 71.82% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
19
19th pctile
Loan-to-Deposit Ratio
Current: 91.96% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.60% · Tier avg: 22.39%
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
3
3th pctile
Net Interest Margin
Current: 2.27% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.60% · Tier avg: 22.39%
19
19th pctile
Loan-to-Deposit Ratio
Current: 91.96% · Tier avg: 74.53%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
36
36th pctile
Efficiency Ratio
Current: 71.82% · Tier avg: 67.73%
44
44th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
71
71th pctile
Total Deposits
Current: $247.6M · Tier avg: $183.7M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.41% · Tier avg: 8.85%
77
77th pctile
Total Assets
Current: $328.0M · Tier avg: $217.5M
81
81th pctile
Total Loans
Current: $227.7M · Tier avg: $139.2M