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Overview / Commentary
500 Ala Moana Boulevard, Suite 2a
Honolulu, HI 96813

Pacific Rim Bank is headquartered in Honolulu and is the 8th largest bank in the state of Hawaii. It is also the 4,102nd largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 23 employees at 1 location. Pacific Rim Bank has a C health rating.

Reviews (1)

Not The Wisest Move


High fees, inconvenient location, staff changes, and the failure of numerous programs caused me to quickly switch financial institutions.  There is no compelling reason to stay with this small bank especially with much stronger credit unions and banks all over the islands.     


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 Rim Bank had $5.8 million in non-current loans and owned real-estate with $12.55 million in equity and loan loss allowances on hand to cover it. This gives Pacific Rim Bank a Texas Ratio of 46.25% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific Rim Bank experienced no significant changes from 48.07% as of March 31, 2013 to 46.25% as of March 31, 2014, resulting in a positive change of 3.79%.This indicates that the balance sheet and financial strength for Pacific Rim Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Pacific Rim Bank has decreased its total deposits by -$10.22 million, resulting in -7.98% 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 Rim Bank has shown is below 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 Rim Bank has $128.49 million in assets with $12.55 million in equity, resulting in a capitalization level of 9.77%, which is above average.

Institution Statistics

FDIC Certificate #58137
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$128.49 million
Loans$81.57 million
Deposits$117.78 million
Equity Capital$10.28 million
Loan Loss Allowance$2.27 million
Unbacked Noncurrent Loans$1.81 million
Real Estate Owned$4.00 million
Historic Data - March 2013
Assets$138.10 million
Equity Capital$9.59 million
Loan Loss Allowance$2.19 million
Unbacked Noncurrent Loans$1.81 million
Real Estate Owned$4.00 million
Profit Margin - Quarterly
Net Interest Margin3.34%
Return on Assets-0.86%
Return on Equity-10.71%
Interest Income$1.10 million

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Pacific Rim Bank Savings Account Rates

0.35%--Senior Savings
0.30%--eDirect Savings
0.25%--Personal Savings
0.15%--Business Savings
0.15%--Non-Profit Savings

Pacific Rim Bank Money Market Rates

0.20%$100k-Money Market Savings

Pacific Rim Bank Checking Account Rates

0.10%$2,500-Senior Checking
0.05%$2,500-Pacific Rim Checking
0.05%$100-Non-profit Interest Paying Checking

Pacific Rim Bank CD Rates

1.41%$100k$50m5 Year CDARS CD
0.93%$100k$50m3 Year CDARS CD
0.60%$2,500-3 Year CD
0.58%$100k$50m2 Year CDARS CD
0.50%$2,500-2 Year CD
0.30%$2,500-1 Year CD
0.28%$100k$50m52 Week CDARS CD
0.20%$2,500-6 Month CD
0.20%$2,500-9 Month CD
0.13%$100k$50m26 Week CDARS CD
0.10%$2,500-3 Month CD
0.08%$100k$50m13 Week CDARS CD
0.05%$100k$50m4 Week CDARS CD

Pacific Rim Bank IRA Rates

0.60%$500-3 Year IRA
0.50%$500-2 Year IRA
0.30%$500-1 Year IRA
0.20%$500-9 Month IRA
0.20%$500-6 Month IRA
0.10%$500-3 Month IRA

Pacific Rim Bank Locations
Pacific Rim Bank500 Ala Moana Boulevard, Suite 2aHonolulu, HI 96813