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3701 Wilshire Boulevard, Suite 100
Los Angeles, CA 90010

Pacific City Bank is headquartered in Los Angeles and is the 64th largest bank in the state of California. It is also the 889th largest bank in the nation. It was established in 2003 and as of December of 2013, it had grown to 158 employees at 8 locations. Pacific City Bank's savings rates are 5X the national average, and it has a A health rating.

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Reviews (1)

Installment Savings- 1 Year At 3.00% (3.05%)

I would have to say that has done an excellent job of informing readers of the available installment savings products to everyone.

One reason that I like Pacific City Bank is that their service is great and usually their installment savings accounts have higher rates than the "big four" Korean American banks which are Hanmi, Wilshire State, Center, and Nara Banks.  For a small saver and regular person like me, every cent counts!

Right now, if you either have a Pacific City Bank checking or savings account, their one year installment savings has a rate of 3.00% (APY 3.05%). 

They have locations in Los Angeles, Fullerton/Buena Park, Rowland Heights/Diamond Bar, Torrance, Cerritos/Artesia areas.


Data for Q4 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 December 31, 2013 Pacific City Bank had $9.42 million in non-current loans and owned real-estate with $90.75 million in equity and loan loss allowances on hand to cover it. This gives Pacific City Bank a Texas Ratio of 10.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific City Bank experienced no significant changes from 10.01% as of December 31, 2012 to 10.38% as of December 31, 2013, resulting in a negative change of 3.76%. This indicates that the balance sheet and financial strength for Pacific City Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Pacific City Bank has increased its total deposits by $135.38 million, resulting in 25.12% 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 Pacific City 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. Pacific City Bank has $755.91 million in assets with $90.75 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

Institution Statistics

FDIC Certificate #57463
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$755.91 million
Loans$593.87 million
Deposits$674.37 million
Equity Capital$78.15 million
Loan Loss Allowance$12.61 million
Unbacked Noncurrent Loans$8.53 million
Real Estate Owned$891,000
Historic Data - December 2012
Assets$610.84 million
Equity Capital$69.66 million
Loan Loss Allowance$14.67 million
Unbacked Noncurrent Loans$8.53 million
Real Estate Owned$157,000
Profit Margin - Quarterly
Net Interest Margin4.15%
Return on Assets3.14%
Return on Equity28.15%
Interest Income$31.35 million
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Pacific City Bank Savings Account Rates

2.53%$1k-60 Month Plus Installment Savings
2.28%$1k-48 Month Plus Installment Savings
2.02%$1k-36 Month Plus Installment Savings
2.02%$1k-60 Month Installment Savings
1.77%$1k-24 Month Plus Installment Savings
1.77%$1k-30 Month Plus Installment Savings
1.77%$1k-48 Month Installment Savings
1.51%$1k-12 Month Plus Installment Savings
1.51%$1k-18 Month Plus Installment Savings
1.51%$1k-36 Month Installment Savings
1.26%$1k-24 Month Installment Savings
1.26%$1k-30 Month Installment Savings
1.01%$1k-12 Month Installment Savings
1.01%$1k-18 Month Installment Savings

Pacific City Bank Locations
Irvine Branch13140 Yale AvenueIrvine, CA 92620
Cerritos Office17901 Pioneer Boulevard, Suite E and FArtesia, CA 90701
Rowland Heights Branch18160 Colima RoadRowland Heights, CA 91748
Torrance Branch2505 Torrance BoulevardTorrance, CA 90503
Olympic Branch2560 W. Olympic Boulevard, Suite 101Los Angeles, CA 90006
Pacific City Bank3701 Wilshire Boulevard, Suite 100Los Angeles, CA 90010
Fullerton Branch5301 Beach BoulevardBuena Park, CA 90621
Downtown Fashion District Branch777 E. 12th Street, Suite 200Los Angeles, CA 90021