Pacific Trust Bank, FSB

610 Bay Boulevard
Chula Vista, CA 91910
619-691-1519
www.pacifictrustbank.com

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Pacific Trust Bank, FSB is headquartered in Irvine and is the 42^nd largest bank in the state of California. It is also the 492^nd largest bank in the nation. It was established in 1941 and as of December of 2012, it had grown to 566 employees at 18 locations. Pacific Trust Bank, FSB's savings rates are 2X the national average, and it has a 4-star health rating.

PacTrust Bank Offering Worthwhile Short Term Place To Park Hefty Money (Forum) - 5/14/2013

PacTrust Bank today is advertising a liquid savings account, which they call the PacTrust One account, that could provide the best place to hold hefty amounts of money for the next six months, getting you a notably better rate than you would get on a 6-mo

Savings Account Special With Guaranteed Rates at PacTrust Bank in SoCal - 3/6/2013

Pacific Trust Bank is offering a savings account special with rates guaranteed through 2013. The competitive rates require a large balance. The special is for the PacTrust One account, and it has the ...

Money Market Promotion at Pacific Trust Bank in SoCal - Local Only - 12/13/2011

Pacific Trust Bank is offering a money market promotion with a 1.00% APY guaranteed until 3/31/2012. It's called the Choice Money Market Account. It has a $2,500 minimum deposit, and a checking accoun ...

$60 Bonus For Free Checking In Southern California - Extended (Forum) - 11/5/2011

Update 5/14/2012: The promotion has been extended to 6/30/2012. Here's another community bank trying to attract those leaving their megabanks. They're having extended hours for Bank Transfer Day, but the promo is scheduled to last through the year. Op

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See Rates for: Checking | Savings | Money Market | CD | IRA

Pacific Trust Bank, FSB Checking Account Rates

Apy	Min	Max	Product
0.20%	$250k	-	Market Checking Account
0.20%	$250k	-	IOLTA Checking
0.10%	-	-	Value Checking
0.05%	-	-	Business Interest Checking

Pacific Trust Bank, FSB Savings Account Rates

Apy	Min	Max	Product
1.25%	$250k	-	One Account New Money Special
0.28%	$250k	-	Business Market Savings Account
0.28%	$250k	-	Market Savings Account
0.20%	$250k	-	Business Sweep Account
0.10%	-	-	Regular Savings
0.10%	-	-	Business Savings

Pacific Trust Bank, FSB Money Market Rates

Apy	Min	Max	Product
0.47%	$250k	-	Business Choice Money Market Account
0.47%	$250k	-	Choice Money Market Account
0.25%	$250k	-	Retirement Choice Money Market

Pacific Trust Bank, FSB CD Rates

Apy	Min	Max	Product
0.55%	$100k	-	60 Month CD
0.55%	$100k	-	48 Month CD
0.40%	$100k	-	Business 36 Month CD
0.40%	$100k	-	42 Month CD
0.40%	$100k	-	36 Month CD
0.35%	$100k	-	Business 24 Month CD
0.35%	$100k	-	30 Month CD
0.35%	$100k	-	24 Month CD
0.30%	$100k	-	21 Month CD
0.30%	$100k	-	18 Month CD
0.25%	$100k	-	12 Month CD
0.25%	$100k	-	Business 13 Month CD
0.25%	$100k	-	15 Month CD
0.25%	$100k	-	Business 12 Month CD
0.25%	$100k	-	13 Month CD
0.25%	$100k	-	Business 15 Month CD
0.20%	$100k	-	Business 3 Month CD
0.20%	$100k	-	7 Month CD
0.20%	$100k	-	Business 9 Month CD
0.20%	$100k	-	6 Month CD
0.20%	$100k	-	3 Month CD
0.20%	$100k	-	Business 6 Month CD
0.20%	$100k	-	Business 7 Month CD
0.20%	$100k	-	9 Month CD
0.15%	$100k	-	30 Day CD
0.15%	$100k	-	7 Day CD
0.15%	$100k	-	Business 30 Day CD
0.14%	$100	-	36 Month Savings Accumulation Certificates

Pacific Trust Bank, FSB IRA Rates

Apy	Min	Max	Product
0.55%	$100k	-	48 Month IRA
0.55%	$100k	-	60 Month IRA
0.55%	$100k	-	48 Month CESA
0.55%	$100k	-	60 Month CESA
0.55%	$100k	-	48 Month Roth IRA
0.55%	$100k	-	60 Month Roth IRA
0.40%	$100k	-	36 Month IRA
0.40%	$100k	-	42 Month IRA
0.40%	$100k	-	36 Month CESA
0.40%	$100k	-	42 Month CESA
0.40%	$100k	-	36 Month Roth IRA
0.40%	$100k	-	42 Month Roth IRA
0.35%	$100k	-	24 Month IRA
0.35%	$100k	-	30 Month IRA
0.35%	$100k	-	24 Month CESA
0.35%	$100k	-	30 Month CESA
0.35%	$100k	-	24 Month Roth IRA
0.35%	$100k	-	30 Month Roth IRA
0.30%	$100k	-	18 Month IRA
0.30%	$100k	-	21 Month IRA
0.30%	$100k	-	18 Month CESA
0.30%	$100k	-	21 Month CESA
0.30%	$100k	-	18 Month Roth IRA
0.30%	$100k	-	21 Month Roth IRA
0.25%	$100k	-	12 Month IRA
0.25%	$100k	-	13 Month IRA
0.25%	$100k	-	15 Month IRA
0.25%	$100k	-	12 Month CESA
0.25%	$100k	-	13 Month CESA
0.25%	$100k	-	15 Month CESA
0.25%	$100k	-	12 Month Roth IRA
0.25%	$100k	-	13 Month Roth IRA
0.25%	$100k	-	15 Month Roth IRA
0.20%	$100k	-	3 Month IRA
0.20%	$100k	-	6 Month IRA
0.20%	$100k	-	7 Month IRA
0.20%	$100k	-	9 Month IRA
0.20%	$100k	-	3 Month CESA
0.20%	$100k	-	6 Month CESA
0.20%	$100k	-	7 Month CESA
0.20%	$100k	-	9 Month CESA
0.20%	$100k	-	3 Month Roth IRA
0.20%	$100k	-	6 Month Roth IRA
0.20%	$100k	-	7 Month Roth IRA
0.20%	$100k	-	9 Month Roth IRA
0.15%	$100k	-	30 Day IRA
0.15%	$100k	-	30 Day CESA
0.15%	$100k	-	30 Day Roth IRA
0.15%	$100k	-	7 Day IRA
0.15%	$100k	-	7 Day CESA
0.15%	$100k	-	7 Day Roth IRA
0.14%	$100	-	36 Month Savings Accumulation IRA
0.14%	$100	-	36 Month Savings Accumulation CESA
0.14%	$100	-	36 Month Savings Accumulation Roth IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

Pacific Trust Bank, FSB
OTS #	15953
FDIC Certificate #	35498
BankRate Report	View
Year Established	1941
Employees	566
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.37 billion
Loans	$1.10 billion
Deposits	$1.12 billion
Equity Capital	$159.79 million
Loan Loss Allowance	$13.81 million
Unbacked Noncurrent Loans	$27.96 million
Real Estate Owned	$2.10 million
Historic Data - December 2011
Assets	$984.29 million
Equity Capital	$127.91 million
Loan Loss Allowance	$9.07 million
Unbacked Noncurrent Loans	$16.37 million
Real Estate Owned	$8.27 million
Profit Margin - Quarterly
Net Interest Margin	3.79%
Return on Assets	1.17%
Return on Equity	9.76%
Interest Income	$47.48 million

Institution Health

Overall Score:

4 out of 5

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, 2012 Pacific Trust Bank, FSB had $30.06 million in non-current loans and owned real-estate with $173.6 million in equity and loan loss allowances on hand to cover it. This gives Pacific Trust Bank, FSB a Texas Ratio of 17.32% 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 Trust Bank, FSB held steady from 17.34% as of December 31, 2011 to 17.32% as of December 31, 2012, resulting in a positive change of 0.15%.This indicates that the balance sheet and financial strength for Pacific Trust Bank, FSB has held steady in recent periods.
Deposit Growth
In the past year, Pacific Trust Bank, FSB has increased its total deposits by $291.06 million, resulting in 34.99% 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 Trust Bank, FSB has shown is excellent.
Capitalization
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 Trust Bank, FSB has $1.37 billion in assets with $173.6 million in equity, resulting in a capitalization level of 12.65%, which is excellent.