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88 Kearny Street, Suite 1750
San Francisco, CA 94108

Trans-Pacific National Bank is headquartered in San Francisco and is the 189th largest bank in the state of California. It is also the 4,369th largest bank in the nation. It was established in 1984 and as of March of 2014, it had grown to 29 employees at 3 locations. Trans-Pacific National 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 Trans-Pacific National Bank had $1.35 million in non-current loans and owned real-estate with $15.99 million in equity and loan loss allowances on hand to cover it. This gives Trans-Pacific National Bank a Texas Ratio of 8.43% 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 Trans-Pacific National Bank experienced no significant changes from 8.49% as of March 31, 2013 to 8.43% as of March 31, 2014, resulting in a positive change of 0.75%.This indicates that the balance sheet and financial strength for Trans-Pacific National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Trans-Pacific National Bank has increased its total deposits by $4.18 million, resulting in 4.29% 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 Trans-Pacific National 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. Trans-Pacific National Bank has $116.18 million in assets with $15.99 million in equity, resulting in a capitalization level of 13.76%, which is excellent.

Institution Statistics

FDIC Certificate #25644
Year Established1984
Primary RegulatorOCC
Assets and Liabilities
Assets$116.18 million
Loans$86.90 million
Deposits$101.79 million
Equity Capital$13.57 million
Loan Loss Allowance$2.42 million
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$0
Historic Data - March 2013
Assets$111.45 million
Equity Capital$13.29 million
Loan Loss Allowance$2.91 million
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.14%
Return on Equity-1.27%
Interest Income$1.26 million
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Trans-Pacific National Bank CD Rates

0.70%-$500k5 Year CD
0.55%-$500k4 Year CD
0.50%-$500k3 Year CD
0.35%-$500k2 Year CD
0.30%-$500k1 Year CD
0.25%-$500k1 Year Adjustable CD
0.20%-$500k180 to 364 Day CD
0.15%-$500k90 to 179 Day CD
0.10%-$500k30 to 59 Day CD
0.10%-$500k60 to 89 Day CD

Trans-Pacific National Bank Locations
Alameda Branch1442 Webster StreetAlameda, CA 94501
Trans-Pacific National Bank55 Second StreetSan Francisco, CA 94105
Peninsula Branch979 Broadway, Suite 112Millbrae, CA 94030