Capital Pacific Bank

Headquarters

805 Sw Broadway, Suite 780
Portland, OR 97205
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Capital Pacific Bank is an FDIC insured institution located in Portland, OR. It was founded in 2003 and has approximately $0.25 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57562
Date Established 2003
Assets $ 255.61 million
Loans $ 198.27 million
Deposits $ 228.36 million
Capital $ 25.45 million
 

For a more detailed analysis of Capital Pacific Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 22, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capital Pacific Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

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Payment
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Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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3.500 %
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.990 %
$0 Learn More
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Note to Capital Pacific Bank
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Branches

Capital Pacific Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Capital Pacific Bank Locations


Financial Details

Capital Pacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital Pacific Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Capital Pacific Bank U.S. Bank Average
8.1% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Capital Pacific Bank had $1,163,000 in non-current loans and $1,129,000 in owned real estate. To cover these potential losses it had $25,453,000 in equity and $2,836,000 in loans loss reserves. That gives it a Texas Ratio of 8.1%.

Return on Equity
Capital Pacific Bank U.S. Bank Average
9.53% 7.80%

Capital Pacific Bank has a Return on Equity of 9.53% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Capital Pacific Bank U.S. Bank Average
9.96% 12.68%

Capital Pacific Bank has a Capitalization of 9.96% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Capital Pacific Bank Balance Sheet Analysis

As of September 30, 2014, Capital Pacific Bank had assets of $252,802,000, loans of $198,266,000, and deposits of $228,361,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 198.27 million
Loan loss allowance $ 2.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.13 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 228.36 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 255.61 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Capital Pacific Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Oregon, Capital Pacific Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 3.16
Multifamily
Mortgages
9.94
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 17.91
Construction and Development Loans 3.38
Commercial Real Estate 65.20
Commercial and Industrial Loans 16.80
Farm Loans 0.00

Frequently Asked Questions About Capital Pacific Bank

Branches and Savings

Is Capital Pacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57562.

Why does Capital Pacific Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Capital Pacific Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Capital Pacific Bank a commercial bank?

Yes

Where are Capital Pacific Bank locations?

See branch locations nearby.

Is Capital Pacific Bank open on Saturdays?

Is Capital Pacific Bank open on Sundays?

What time does Capital Pacific Bank open?

What time does Capital Pacific Bank close?

Are Capital Pacific Bank ATMs Open 24/7?

Do Capital Pacific Bank ATMs accept cash deposits?

Can Capital Pacific Bank customers use other ATMs?

Do Capital Pacific Bank branches have notaries?

Will Capital Pacific Bank notarize my document?

What address for Capital Pacific Bank should I put for incoming ACH transfers?

Will the Capital Pacific Bank branch print checks?

Do Capital Pacific Bank checks expire?

Does Capital Pacific Bank require US citizenship to open account?

Can Capital Pacific Bank close my account?

Does Capital Pacific Bank Report to credit bureaus?

Does Capital Pacific Bank Use Equifax?

What is Capital Pacific Bank's ACH Routing Number?

What is Capital Pacific Bank's SWIFT code?

Products

Does Capital Pacific Bank offer mortgages?

Compare mortgage rates here.

Does Capital Pacific Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital Pacific Bank offer personal loans?

Compare personal loan rates here.

Does Capital Pacific Bank offer student loans?

Will Capital Pacific Bank cash a check?

Will Capital Pacific Bank redeem a savings bond?

Does Capital Pacific Bank cash savings bonds?

Will Capital Pacific Bank cash money orders?

Can Capital Pacific Bank issue a money order?

Does Capital Pacific Bank do currency exchange?

Background on The Bank

Who owns Capital Pacific Bank?

How long has Capital Pacific Bank been around?

Can Capital Pacific Bank transfer to other banks?

Does Capital Pacific Bank have quick pay?

Does Capital Pacific Bank accept rolled coins?

Will Capital Pacific Bank accept loose change?

Where is Capital Pacific Bank headquarters?

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