Pacific Commerce Bank


420 East 3rd Street, Suite 100
Los Angeles, CA 90013
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Pacific Commerce Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 2002 and has approximately $0.55 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 57065
Date Established 2002
Assets $ 552.36 million
Loans $ 395.18 million
Deposits $ 477.76 million
Capital $ 72.87 million

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

Deposit Rates - July 27, 2021

Your Current Location: Washington, WA 98109


Loan Rates - July 27, 2021

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Pacific Commerce Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.843% 2.775%
0.88 points
$2,205 fees
$1,024 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Pacific Commerce Bank
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Financial Details

Pacific Commerce Bank Ratio Analysis

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

Texas Ratio
Pacific Commerce Bank U.S. Bank Average
0.84% 5.29%

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, 2021, Pacific Commerce Bank had $651,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $72,869,000 in equity and $4,407,000 in loans loss reserves. That gives it a Texas Ratio of 0.84%.

Return on Equity
Pacific Commerce Bank U.S. Bank Average
9.45% 11.43%

Pacific Commerce Bank has a Return on Equity of 9.45% versus the BestCashCow average of 11.43%. 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.

Pacific Commerce Bank U.S. Bank Average
13.19% 11.51%

Pacific Commerce Bank has a Capitalization of 13.19% versus the BestCashCow average of 11.51. 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 Commerce Bank Balance Sheet Analysis

As of June 30, 2018, Pacific Commerce Bank had assets of $552,359,000, loans of $395,181,000, and deposits of $477,763,000. 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, 2021
Cash & Balances due from depository institutions $ 130.43 million
Interest-bearing balances $ 122.34 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 3.00 million
Net loans and leases $ 395.18 million
Loan loss allowance $ 4.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 10.70 million
All other assets $ 12.29 million
     Total Assets $ 479.49 million
Total deposits $ 477.76 million
      Interest-bearing deposits $ 206.84 million
      Deposits held in domestic offices $ 477.76 million
      % insured (estimated) 49.83%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.73 million
      Total Liabilities $ 479.49 million
      Shareholders’ Equity $ 72.87 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 13.76 million
Total Interest Expense $ 0.88 million
Net interest income $ 12.88 million
Provision for loan and lease losses $ 0.64 million
Total non interest income $ 1.80 million
Total non interest expense $ 9.14 million
Pre-tax Net Operating Income $ 4.90 million

Bank Loan Profile?

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

Compared to other banks in California, Pacific Commerce 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.81
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 16.98
Construction and Development Loans 6.76
Commercial Real Estate 70.26
Commercial and Industrial Loans 14.03
Farm Loans 0.00

Frequently Asked Questions About Pacific Commerce Bank

Branches and Savings

Is Pacific Commerce Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57065.

Why does Pacific Commerce 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 Commerce Bank CD rates not competitive?

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

Is Pacific Commerce Bank a commercial bank?


Where are Pacific Commerce Bank locations?

See branch locations nearby.

Is Pacific Commerce Bank open on Saturdays?

Is Pacific Commerce Bank open on Sundays?

What time does Pacific Commerce Bank open?

What time does Pacific Commerce Bank close?

Are Pacific Commerce Bank ATMs Open 24/7?

Do Pacific Commerce Bank ATMs accept cash deposits?

Can Pacific Commerce Bank customers use other ATMs?

Do Pacific Commerce Bank branches have notaries?

Will Pacific Commerce Bank notarize my document?

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

Will the Pacific Commerce Bank branch print checks?

Do Pacific Commerce Bank checks expire?

Does Pacific Commerce Bank require US citizenship to open account?

Can Pacific Commerce Bank close my account?

Does Pacific Commerce Bank Report to credit bureaus?

Does Pacific Commerce Bank Use Equifax?

What is Pacific Commerce Bank's ACH Routing Number?

What is Pacific Commerce Bank's SWIFT code?


Does Pacific Commerce Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Pacific Commerce Bank offer personal loans?

Compare personal loan rates here.

Does Pacific Commerce Bank offer student loans?

Will Pacific Commerce Bank cash a check?

Will Pacific Commerce Bank redeem a savings bond?

Does Pacific Commerce Bank cash savings bonds?

Will Pacific Commerce Bank cash money orders?

Can Pacific Commerce Bank issue a money order?

Does Pacific Commerce Bank do currency exchange?

Background on The Bank

Who owns Pacific Commerce Bank?

How long has Pacific Commerce Bank been around?

Can Pacific Commerce Bank transfer to other banks?

Does Pacific Commerce Bank have quick pay?

Does Pacific Commerce Bank accept rolled coins?

Will Pacific Commerce Bank accept loose change?

Where is Pacific Commerce Bank headquarters?

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