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Overview / Commentary
510-550-8428
1438 Webster Street, Suite 100
Oakland, CA 94612

One PacificCoast Bank is headquartered in Oakland and is the 118st largest bank in the state of California. It is also the 2,087th largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 54 employees at 4 locations. One PacificCoast Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
B

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 December 31, 2013 One PacificCoast Bank had $6.19 million in non-current loans and owned real-estate with $37.31 million in equity and loan loss allowances on hand to cover it. This gives One PacificCoast Bank a Texas Ratio of 16.59% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for One PacificCoast Bank decreased dramatically from 32.63% as of December 31, 2012 to 16.59% as of December 31, 2013, resulting in a positive change of 49.15%.This indicates that the balance sheet and financial strength for One PacificCoast Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, One PacificCoast Bank has increased its total deposits by $19.11 million, resulting in 8.33% 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 excellent.

Capitalization

GRADE:
A

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 $313.01 million in assets with $37.31 million in equity, resulting in a capitalization level of 11.92%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58490
Year Established2007
Employees54
Primary RegulatorOCC
Assets and Liabilities
Assets$313.01 million
Loans$224.06 million
Deposits$248.46 million
Equity Capital$33.49 million
Loan Loss Allowance$3.82 million
Unbacked Noncurrent Loans$5.56 million
Real Estate Owned$633,000
Historic Data - December 2012
Assets$282.07 million
Equity Capital$31.74 million
Loan Loss Allowance$3.46 million
Unbacked Noncurrent Loans$5.56 million
Real Estate Owned$1.93 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0%
Return on Equity0.04%
Interest Income$12.41 million
Rates

Always verify rates and promotions with the bank or credit union. We are not One PacificCoast Bank, we are a rate comparison website and can not provide official rates or promotions.

One PacificCoast Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Save 1st
0.10%$100k-Business Savings
0.10%$100k-EcoKids Savings

One PacificCoast Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Market Access
0.10%$100k-Business Market Access

One PacificCoast Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-EcoEarnings Checking
0.10%$100k-Community First Business
0.10%$100k-Earnings NOW for Nonprofits

One PacificCoast Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$100k-60 Month CD
0.75%$100k-48 Month CD
0.50%$100k-36 Month CD
0.30%$100k-24 Month CD
0.20%$100k-12 Month CD
0.15%$100k-6 Month CD

One PacificCoast Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$100k-5 Year IRA CD (Traditional,Roth,CESA,SIMPLE)
0.75%$100k-4 Year IRA CD (Traditional,Roth,CESA,SIMPLE)
0.40%$100k-3 Year IRA (Traditional,Roth,CESA,SIMPLE)
0.30%$100k-2 Year IRA (Traditional,Roth,CESA,SIMPLE)
0.20%$100k-1 Year IRA (Traditional,Roth,CESA,SIMPLE)
Locations


One PacificCoast Bank Locations
Portland Branch1101 Sw Washington StreetPortland, OR 97205
One Pacificcoast Bank, FSB1438 Webster Street, Suite 100Oakland, CA 94612
Shorebank, Pacific Branch203 Howerton Way, SoutheastIlwaco, WA 98624
Mosler Branch2720 South Third AveSeattle, WA 98121