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Overview / Commentary
2323 South Wentworth Avenue
Chicago, IL 60616

Pacific Global Bank is headquartered in Chicago and is the 247th largest bank in the state of Illinois. It is also the 3,633rd largest bank in the nation. It was established in 1995 and as of December of 2013, it had grown to 39 employees at 3 locations. Pacific Global Bank has a B+ health rating.

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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 Global Bank had $2.35 million in non-current loans and owned real-estate with $19.89 million in equity and loan loss allowances on hand to cover it. This gives Pacific Global Bank a Texas Ratio of 11.80% 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 Global Bank decreased dramatically from 30.11% as of December 31, 2012 to 11.80% as of December 31, 2013, resulting in a positive change of 60.80%.This indicates that the balance sheet and financial strength for Pacific Global Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Global Bank has decreased its total deposits by -$1.88 million, resulting in -1.35% 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 Global Bank has shown is average.



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 Global Bank has $155.25 million in assets with $19.89 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

Institution Statistics

FDIC Certificate #34089
Year Established1995
Primary RegulatorFED
Assets and Liabilities
Assets$155.25 million
Loans$112.44 million
Deposits$136.87 million
Equity Capital$15.31 million
Loan Loss Allowance$4.58 million
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$419,000
Historic Data - December 2012
Assets$159.16 million
Equity Capital$14.22 million
Loan Loss Allowance$5.85 million
Unbacked Noncurrent Loans$1.93 million
Real Estate Owned$2.42 million
Profit Margin - Quarterly
Net Interest Margin4.02%
Return on Assets0.86%
Return on Equity9.24%
Interest Income$6.89 million

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Pacific Global Bank Locations
South Archer Branch2156a South Archer AvenueChicago, IL 60616
Pacific Global Bank2323 South Wentworth AvenueChicago, IL 60616
Pacific Global Bank Branch3233 S Ashland Ave.Chicago, IL 60608