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17748 Sky Park Circle
Irvine, CA 92614

Pacific Enterprise Bank is headquartered in Irvine and is the 113st largest bank in the state of California. It is also the 1,922nd largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 68 employees at 1 location. Pacific Enterprise 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 Pacific Enterprise Bank had $156,000 in non-current loans and owned real-estate with $42.58 million in equity and loan loss allowances on hand to cover it. This gives Pacific Enterprise Bank a Texas Ratio of 0.37% 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 Enterprise Bank decreased dramatically from 1.94% as of March 31, 2013 to 0.37% as of March 31, 2014, resulting in a positive change of 81.10%.This indicates that the balance sheet and financial strength for Pacific Enterprise Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Enterprise Bank has increased its total deposits by $43.72 million, resulting in 17.63% 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 Enterprise 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 Enterprise Bank has $342.23 million in assets with $42.58 million in equity, resulting in a capitalization level of 12.44%, which is excellent.

Institution Statistics

FDIC Certificate #58415
Year Established2007
Primary RegulatorFED
Assets and Liabilities
Assets$342.23 million
Loans$258.22 million
Deposits$291.68 million
Equity Capital$38.67 million
Loan Loss Allowance$3.91 million
Unbacked Noncurrent Loans$156,000
Real Estate Owned$0
Historic Data - March 2013
Assets$293.63 million
Equity Capital$34.24 million
Loan Loss Allowance$3.51 million
Unbacked Noncurrent Loans$156,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.17%
Return on Assets1.09%
Return on Equity9.63%
Interest Income$4.68 million

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Pacific Enterprise Bank Locations
Pacific Enterprise Bank17748 Sky Park CircleIrvine, CA 92614