Pacific Alliance Bank

Headquarters

8400 East Valley Boulevard
Rosemead, CA 91770
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 1.05% →
1-Year CD 1.10% 0.95% →
2-Year CD 1.10% 1.05% →
5-Year CD 1.10% 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

Pacific Alliance Bank is an FDIC insured institution located in Rosemead, CA. It was founded in 2006 and has approximately $0.28 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58234
Date Established 2006
Assets $ 280.73 million
Loans $ 226.30 million
Deposits $ 229.82 million
Capital $ 39.36 million
 

For a more detailed analysis of Pacific Alliance 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: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.95% $10,000 $14,999 Learn More
Money Market
0.95% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.40% $10,000 $14,999 Learn More
3 Mo CD
0.60% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
1.10% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
1.10% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
1.10% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
1.10% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Pacific Alliance Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Pacific Alliance Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Pacific Alliance 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:
Fairfield,Connecticut


Pacific Alliance Bank Locations


Financial Details

Pacific Alliance Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pacific Alliance 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
Pacific Alliance Bank U.S. Bank Average
0.93% 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, Pacific Alliance Bank had $397,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $39,358,000 in equity and $3,401,000 in loans loss reserves. That gives it a Texas Ratio of 0.93%.

Return on Equity
Pacific Alliance Bank U.S. Bank Average
5.25% 7.80%

Pacific Alliance Bank has a Return on Equity of 5.25% 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
Pacific Alliance Bank U.S. Bank Average
14.02% 12.68%

Pacific Alliance Bank has a Capitalization of 14.02% 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.

Pacific Alliance Bank Balance Sheet Analysis

As of March 31, 2020, Pacific Alliance Bank had assets of $280,730,000, loans of $226,298,000, and deposits of $229,817,000. 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 $ 17.77 million
Interest-bearing balances $ 16.03 million
Total securities $ 26.60 million
Federal funds sold and reverse repurchase $ 5.22 million
Net loans and leases $ 226.30 million
Loan loss allowance $ 3.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.28 million
All other assets $ 3.25 million
     Total Assets $ 241.37 million
LIABILITIES
Total deposits $ 229.82 million
      Interest-bearing deposits $ 217.24 million
      Deposits held in domestic offices $ 229.82 million
      % insured (estimated) 80.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 8.00 million
Subordinated debt N.A.
All other liabilities $ 3.56 million
      Total Liabilities $ 241.37 million
      Shareholders’ Equity $ 39.36 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.14 million
Total Interest Expense $ 1.09 million
Net interest income $ 2.05 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.20 million
Total non interest expense $ 1.52 million
Pre-tax Net Operating Income $ 0.73 million

Bank Loan Profile?

The top three loan types in Pacific Alliance Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Pacific Alliance Bank’s loan portfolio does not show any specific loan specialty.

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 16.20
Multifamily
Mortgages
7.73
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 8.33
Commercial Real Estate 55.02
Commercial and Industrial Loans 14.35
Farm Loans 0.00

Frequently Asked Questions About Pacific Alliance Bank

Branches and Savings

Is Pacific Alliance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58234.

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

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

Why are Pacific Alliance Bank CD rates not competitive?

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

Is Pacific Alliance Bank a commercial bank?

Yes

Where are Pacific Alliance Bank locations?

See branch locations nearby.

Is Pacific Alliance Bank open on Saturdays?

Is Pacific Alliance Bank open on Sundays?

What time does Pacific Alliance Bank open?

What time does Pacific Alliance Bank close?

Are Pacific Alliance Bank ATMs Open 24/7?

Do Pacific Alliance Bank ATMs accept cash deposits?

Can Pacific Alliance Bank customers use other ATMs?

Do Pacific Alliance Bank branches have notaries?

Will Pacific Alliance Bank notarize my document?

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

Will the Pacific Alliance Bank branch print checks?

Do Pacific Alliance Bank checks expire?

Does Pacific Alliance Bank require US citizenship to open account?

Can Pacific Alliance Bank close my account?

Does Pacific Alliance Bank Report to credit bureaus?

Does Pacific Alliance Bank Use Equifax?

What is Pacific Alliance Bank's ACH Routing Number?

What is Pacific Alliance Bank's SWIFT code?

Products

Does Pacific Alliance Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Pacific Alliance Bank offer personal loans?

Compare personal loan rates here.

Does Pacific Alliance Bank offer student loans?

Will Pacific Alliance Bank cash a check?

Will Pacific Alliance Bank redeem a savings bond?

Does Pacific Alliance Bank cash savings bonds?

Will Pacific Alliance Bank cash money orders?

Can Pacific Alliance Bank issue a money order?

Does Pacific Alliance Bank do currency exchange?

Background on The Bank

Who owns Pacific Alliance Bank?

How long has Pacific Alliance Bank been around?

Can Pacific Alliance Bank transfer to other banks?

Does Pacific Alliance Bank have quick pay?

Does Pacific Alliance Bank accept rolled coins?

Will Pacific Alliance Bank accept loose change?

Where is Pacific Alliance Bank headquarters?

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