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Overview / Commentary
47065 Warm Springs Boulevard
Fremont, CA 94539

Pan Pacific Bank is headquartered in Fremont and is the 190th largest bank in the state of California. It is also the 4,478th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 25 employees at 1 location. Pan Pacific 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 Pan Pacific Bank had $432,000 in non-current loans and owned real-estate with $16.32 million in equity and loan loss allowances on hand to cover it. This gives Pan Pacific Bank a Texas Ratio of 2.65% 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 Pan Pacific Bank decreased dramatically from 12.32% as of March 31, 2013 to 2.65% as of March 31, 2014, resulting in a positive change of 78.52%.This indicates that the balance sheet and financial strength for Pan Pacific Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pan Pacific Bank has increased its total deposits by $1.82 million, resulting in 2.03% 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 Pan Pacific Bank has shown is above 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. Pan Pacific Bank has $110.55 million in assets with $16.32 million in equity, resulting in a capitalization level of 14.76%, which is excellent.

Institution Statistics

FDIC Certificate #57989
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$110.55 million
Loans$79.44 million
Deposits$91.53 million
Equity Capital$14.67 million
Loan Loss Allowance$1.64 million
Unbacked Noncurrent Loans$432,000
Real Estate Owned$0
Historic Data - March 2013
Assets$104.52 million
Equity Capital$14.38 million
Loan Loss Allowance$1.74 million
Unbacked Noncurrent Loans$432,000
Real Estate Owned$697,000
Profit Margin - Quarterly
Return on Assets0.27%
Return on Equity2.03%
Interest Income$1.15 million

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Pan Pacific Bank Locations
Pan Pacific Bank47065 Warm Springs BoulevardFremont, CA 94539