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3500 188th Street SW, Suite 575
Lynnwood, WA 98037

Pacific Crest Savings Bank was established in 1984 as Phoenix Mortgage and converted to a Washington State-charted, federally insured savings bank in 1998. Pacific Crest Savings Bank combines the advantages of independent ownership with three decades of experience to offer the highest level of customer service.

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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 Pacific Crest Savings Bank had $3.51 million in non-current loans and owned real-estate with $19.95 million in equity and loan loss allowances on hand to cover it. This gives Pacific Crest Savings Bank a Texas Ratio of 17.60% 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 Pacific Crest Savings Bank experienced no significant changes from 17.01% as of March 31, 2013 to 17.60% as of March 31, 2014, resulting in a negative change of 3.45%. This indicates that the balance sheet and financial strength for Pacific Crest Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Pacific Crest Savings Bank has increased its total deposits by $8.36 million, resulting in 6.96% 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 Crest Savings 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 Crest Savings Bank has $172.72 million in assets with $19.95 million in equity, resulting in a capitalization level of 11.55%, which is excellent.

Institution Statistics

FDIC Certificate #34585
Year Established1998
Primary RegulatorFDIC
Assets and Liabilities
Assets$172.72 million
Loans$137.01 million
Deposits$128.57 million
Equity Capital$17.76 million
Loan Loss Allowance$2.19 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$0
Historic Data - March 2013
Assets$161.87 million
Equity Capital$16.50 million
Loan Loss Allowance$2.31 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$415,000
Profit Margin - Quarterly
Return on Assets1.27%
Return on Equity12.43%
Interest Income$1.99 million
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Pacific Crest Savings Bank Money Market Rates

0.80%$100k-Personal Money Market
0.80%$100k-Business Money Market
0.80%$100k-IRA Money Market

Pacific Crest Savings Bank Checking Account Rates

0.60%$10k-Interest Plus Checking
0.60%--Business Plus Checking
0.50%$2,500-Interest Checking

Pacific Crest Savings Bank CD Rates

2.25%$2k$245k5 Year CD
2.05%$245k-5 Year Jumbo CD
1.50%$2k$245k3 Year CD
1.30%$245k-3 Year Jumbo CD
1.05%$2k$245k2 Year CD
0.85%$245k-2 Year Jumbo CD
0.80%$2k$245k1 Year CD
0.60%$245k-1 Year Jumbo CD
0.45%$2k$245k6 Month CD
0.25%$245k-6 Month Jumbo CD

Pacific Crest Savings Bank IRA Rates

2.25%$2k-5 Year IRA
1.50%$2k-3 Year IRA
1.05%$2k-2 Year IRA
0.80%$2k-1 Year IRA
0.45%$2k-6 Month IRA

Pacific Crest Savings Bank Locations
Pacific Crest Savings Bank3500 188th Street, S.w., Suite 575Lynnwood, WA 98037