BlastPoint's Banking Scorecard
Pacific Crest Bank
Lynnwood, WA
Pacific Crest Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.4% in tier
- - Capital Constraint: Bottom 52.8% in tier
- - Net Interest Margin 1.63% below tier average
- - Non-Interest-Bearing Deposit Share 17.82% below tier average
- - Non-Interest Income / Assets 0.28% below tier average
- - ROA 0.72% below tier average
- - Efficiency Ratio 10.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.7M
-3.8% YoY
-2.8% QoQ
|
-$67.4M |
$386.1M
+0.5% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$232.9M
-0.7% YoY
+2.3% QoQ
|
-$22.8M |
$255.7M
+1.1% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$241.4M
-6.8% YoY
-2.5% QoQ
|
-$86.6M |
$328.0M
+0.1% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.55%
-8.2% YoY
-13.6% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.1% in tier |
| Net Interest Margin ? |
2.30%
+3.3% YoY
+1.2% QoQ
|
-1.63% |
3.93%
+6.0% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.8% in tier |
| Efficiency Ratio ? |
76.05%
+6.2% YoY
+5.9% QoQ
|
+10.76% |
65.29%
-4.5% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.50%
-9.1% YoY
-4.8% QoQ
|
-0.39% |
0.89%
+18.8% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
96.48%
+6.5% YoY
+4.9% QoQ
|
+19.85% |
76.64%
+0.8% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.20%
+110.9% YoY
-8.7% QoQ
|
-17.82% |
22.02%
-1.0% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.9% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-6.3% YoY
+0.2% QoQ
|
-0.27% |
0.64%
+19.7% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
15.07%
+0.2% YoY
-2.2% QoQ
|
-0.76% |
15.83%
+1.5% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.00%
+170.2% YoY
-41.8% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.