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Overview / Commentary
1438 Webster Street, Suite 100
Oakland, CA 94612

One PacificCoast Bank is headquartered in Oakland and is the 114st largest bank in the state of California. It is also the 1,935th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 55 employees at 4 locations. One PacificCoast Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 One PacificCoast Bank had $5.36 million in non-current loans and owned real-estate with $40.23 million in equity and loan loss allowances on hand to cover it. This gives One PacificCoast Bank a Texas Ratio of 13.32% which is above 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 29.89% as of March 31, 2013 to 13.32% as of March 31, 2014, resulting in a positive change of 55.45%.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 $32.71 million, resulting in 13.61% 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.



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 $339.67 million in assets with $40.23 million in equity, resulting in a capitalization level of 11.84%, which is excellent.

Institution Statistics

FDIC Certificate #58490
Year Established2007
Primary RegulatorOCC
Assets and Liabilities
Assets$339.67 million
Loans$227.59 million
Deposits$272.99 million
Equity Capital$36.31 million
Loan Loss Allowance$3.92 million
Unbacked Noncurrent Loans$4.82 million
Real Estate Owned$539,000
Historic Data - March 2013
Assets$293.79 million
Equity Capital$33.29 million
Loan Loss Allowance$3.78 million
Unbacked Noncurrent Loans$4.82 million
Real Estate Owned$2.37 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.62%
Return on Equity5.8%
Interest Income$3.17 million

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One PacificCoast Bank Savings Account Rates

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

One PacificCoast Bank Money Market Rates

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

One PacificCoast Bank Checking Account Rates

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

One PacificCoast Bank CD Rates

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

1.00%$100k-5 Year IRA CD
0.75%$100k-4 Year IRA CD
0.40%$100k-3 Year IRA
0.30%$100k-2 Year IRA
0.20%$100k-1 Year IRA

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