One PacificCoast Bank is headquartered in Oakland and is the 119st largest bank in the state of California. It is also the 2,116st largest bank in the nation. It was established in 2007 and as of September of 2013, it had grown to 53 employees at 4 locations. One PacificCoast Bank has a B+ health rating.
Data for Q3 2013
Institution Health
Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2013 One PacificCoast Bank had $8.21 million in non-current loans and owned real-estate with $37.13 million in equity and loan loss allowances on hand to cover it. This gives One PacificCoast Bank a Texas Ratio of 22.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for One PacificCoast Bank decreased dramatically from 32.72% as of September 30, 2012 to 22.11% as of September 30, 2013, resulting in a positive change of 32.43%.This indicates that the balance sheet and financial strength for One PacificCoast Bank has improved dramatically in recent periods.
Deposit Growth
In the past year, One PacificCoast Bank has increased its total deposits by $5.47 million, resulting in 2.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth One PacificCoast Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. One PacificCoast Bank has $306.63 million in assets with $37.13 million in equity, resulting in a capitalization level of 12.11%, which is excellent.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 58490 |
| Year Established | 2007 |
| Employees | 53 |
| Primary Regulator | OCC |
| Assets and Liabilities | |
|---|---|
| Assets | $306.63 million |
| Loans | $210.80 million |
| Deposits | $242.72 million |
| Equity Capital | $33.31 million |
| Loan Loss Allowance | $3.82 million |
| Unbacked Noncurrent Loans | $7.42 million |
| Real Estate Owned | $785,000 |
| Historic Data - September 2012 | |
|---|---|
| Assets | $291.21 million |
| Equity Capital | $32.85 million |
| Loan Loss Allowance | $3.21 million |
| Unbacked Noncurrent Loans | $7.42 million |
| Real Estate Owned | $2.15 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.88% |
| Return on Assets | -0.35% |
| Return on Equity | -3.11% |
| Interest Income | $9.05 million |
Sorry, we do not have rate data for One PacificCoast Bank
| One PacificCoast Bank Locations | ||
|---|---|---|
| Portland Branch | 1101 Sw Washington Street | Portland, OR 97205 |
| One Pacificcoast Bank, FSB | 1438 Webster Street, Suite 100 | Oakland, CA 94612 |
| Shorebank, Pacific Branch | 203 Howerton Way, Southeast | Ilwaco, WA 98624 |
| Mosler Branch | 2720 South Third Ave | Seattle, WA 98121 |