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Pacific Alliance Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58234

Designations: ✓ Minority Depository Institution

San Gabriel, CA

3 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits +6.1% year over year ($369.2M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 1.56%.
  • Efficiency ratio 46.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.97% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Pacific Alliance Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 30.7% in tier
  • + ROA 0.23% above tier average
  • + Efficiency Ratio 18.32% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.6% in tier
  • - Non-Interest-Bearing Deposit Share 17.96% below tier average
  • - Net Interest Margin 0.85% below tier average
Get updates when Pacific Alliance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $454.4M
+6.0% YoY +0.8% QoQ
+$67.8M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $343.2M
+0.4% YoY -0.3% QoQ
+$84.9M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $369.2M
+6.1% YoY +0.7% QoQ
+$42.4M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.56%
+82.5% YoY -32.7% QoQ
+0.23% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 3.13%
+9.1% YoY +0.9% QoQ
-0.85% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 13.9% in tier
Efficiency Ratio ? 46.16%
-22.7% YoY +26.7% QoQ
-18.32% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 10.4% in tier
Delinquency Rate ? 0.16%
-9.8% YoY -0.2% QoQ
-0.76% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 92.97%
-5.3% YoY -1.1% QoQ
+15.01% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 4.07%
+10.8% YoY -31.3% QoQ
-17.96% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 2.9% in tier
Nonperforming Asset Ratio ? 0.12%
-14.6% YoY -1.3% QoQ
-0.55% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 13.37%
+0.5% YoY -0.3% QoQ
-2.54% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.58%
+1.4% QoQ
+0.01% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Top 7.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 4.1%
+0.4pp YoY
-1.9pp QoQ
 -18.1pp 22.1% 25.5% 22.2% 2%
Brokered Deposits 5.5%
-0.2pp YoY
+1.2pp QoQ
 -2.4pp 7.9% 11.0% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 10.1%
-4.3pp YoY
+1.8pp QoQ
 -1.5pp 11.6% 11.8% 12.5% 53%
CRE 78.4%
+6.8pp YoY
-0.6pp QoQ
 +38.8pp 39.5% 67.5% 41.4% 97%
1-4 Family 13.0%
-2.8pp YoY
-1.3pp QoQ
 -19.6pp 32.6% 16.5% 31.3% 16%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 13.4%
+0.1pp YoY
0.0pp QoQ
 +1.2pp 12.2% 14.5% 12.6% 78%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 34
+3 (+9.7%) YoY
+2 (+6.2%) QoQ
 -25 58 337 482 33%
Assets per Employee ($) $13.4M
-3.3% YoY
-5.1% QoQ
 +$5.8M $7.5M $11.3M $8.8M 95%
Branch Count 3
0 YoY
0 QoQ
 -2 4 15 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.4% 1.0% 26%
Allowance Coverage 8.64x
+1.2% YoY
+0.5% QoQ
 -15.51x 24.15x 17.11x 20.23x 80%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 12.0%
+5.4pp YoY
-5.9pp QoQ
 -0.2pp 12.2% 8.2% 11.6% 50%
Cost of Funds (YTD) 3.1%
-0.4pp YoY
0.0pp QoQ
 +1.4pp 1.7% 1.9% 1.7% 98%
Net Income ($, YTD) $3.5M
+93.8% YoY
— QoQ
 +$936K $2.6M $28.5M $40.4M 75%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#204 of 661 • Top 30.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.56%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk
#74 of 691 • Bottom 10.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.97%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

194
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#194 of 2643 Top 7.3% in $100M-$1B
277
Efficiency Ratio
profitability
Value: 46.16%
Peer Median: 64.48%
#277 of 2643 Top 10.4% in $100M-$1B

Top Weaknesses (3 metrics)

2568
Non-Interest-Bearing Deposit Share
funding
Value: 4.07%
Peer Median: 22.03%
#2568 of 2643 Bottom 2.9% in $100M-$1B
2276
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2276 of 2643 Bottom 13.9% in $100M-$1B
2105
Loan-to-Deposit Ratio
liquidity
Value: 92.97%
Peer Median: 77.95%
#2105 of 2643 Bottom 20.4% in $100M-$1B
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