Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
420 East 3rd Street, Suite 100
Los Angeles, CA 90013

Pacific Commerce Bank is headquartered in Los Angeles and is the 149th largest bank in the state of California. It is also the 3,210st largest bank in the nation. It was established in 2002 and as of March of 2014, it had grown to 36 employees at 2 locations. Pacific Commerce Bank has a A+ health rating.

No reviews have been left for this bank yet. Be the first to review.


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 Pacific Commerce Bank had $477,000 in non-current loans and owned real-estate with $30.65 million in equity and loan loss allowances on hand to cover it. This gives Pacific Commerce Bank a Texas Ratio of 1.56% 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 Commerce Bank decreased dramatically from 14.80% as of March 31, 2013 to 1.56% as of March 31, 2014, resulting in a positive change of 89.49%.This indicates that the balance sheet and financial strength for Pacific Commerce Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Commerce Bank has increased its total deposits by $8.38 million, resulting in 6.12% 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 Commerce 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 Commerce Bank has $187.09 million in assets with $30.65 million in equity, resulting in a capitalization level of 16.38%, which is excellent.

Institution Statistics

FDIC Certificate #57065
Year Established2002
Primary RegulatorFED
Assets and Liabilities
Assets$187.09 million
Loans$154.89 million
Deposits$145.36 million
Equity Capital$27.12 million
Loan Loss Allowance$3.54 million
Unbacked Noncurrent Loans$477,000
Real Estate Owned$0
Historic Data - March 2013
Assets$159.51 million
Equity Capital$21.47 million
Loan Loss Allowance$4.73 million
Unbacked Noncurrent Loans$477,000
Real Estate Owned$2.58 million
Profit Margin - Quarterly
Net Interest Margin3.95%
Return on Assets1.98%
Return on Equity13.37%
Interest Income$1.75 million
Skip to rates for:

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

Pacific Commerce Bank Checking Account Rates

0.03%--Pacific Interest Checking
0.03%--Business Interest Checking
0.03%--Attorney Client Checking

Pacific Commerce Bank Locations
West Los Angeles Office11300 West Olympic Boulevard, Suite 100Los Angeles, CA 90064
Pacific Commerce Bank420 East 3rd Street, Suite 100Los Angeles, CA 90013