Pacific Premier Bank


17901 Von Karman Ave
Irvine, CA 92614
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Pacific Premier Bank is an FDIC insured institution located in Irvine, CA. It was founded in 1983 and has approximately $18.81 billion in assets. Customers can open an account at one of its 42 branches.

FDIC Insured Yes
FDIC Certificate # 32172
Date Established 1983
Assets $ 18.81 billion
Loans $ 12.82 billion
Deposits $ 15.27 billion
Capital $ 3.17 billion

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

Deposit Rates - July 21, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - July 21, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pacific Premier 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 2024

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6.711% 6.625%
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Featured - Virginia Home Equity Line Of Credit Rates 2024

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Third Federal Savings and Loan
Third Federal Savings and Loan
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7.990 %
$0 Learn More
More Info

Note to Pacific Premier Bank
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Climate Policy and Initiatives

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Financial Details

Pacific Premier Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pacific Premier 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 Premier Bank U.S. Bank Average
1.9% 4.29%

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, 2024, Pacific Premier Bank had $63,806,000 in non-current loans and $248,000 in owned real estate. To cover these potential losses it had $3,170,298,000 in equity and $192,340,000 in loans loss reserves. That gives it a Texas Ratio of 1.9%.

Return on Equity
Pacific Premier Bank U.S. Bank Average
6.53% 10.46%

Pacific Premier Bank has a Return on Equity of 6.53% versus the BestCashCow average of 10.46%. 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 Premier Bank U.S. Bank Average
16.85% 10.73%

Pacific Premier Bank has a Capitalization of 16.85% versus the BestCashCow average of 10.73. 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 Premier Bank Balance Sheet Analysis

As of March 31, 2024, Pacific Premier Bank had assets of $18,813,106,000, loans of $12,821,881,000, and deposits of $15,269,562,000. 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, 2024
Cash & Balances due from depository institutions $ 1,029.81 million
Interest-bearing balances $ 900.14 million
Total securities $ 2.88 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 12.82 billion
Loan loss allowance $ 192.34 million
Trading account assets $ 11.90 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.25 million
Goodwill and other intangibles $ 943.14 million
All other assets $ 996.84 million
     Total Assets $ 15.64 billion
Total deposits $ 15.27 billion
      Interest-bearing deposits $ 10.26 billion
      Deposits held in domestic offices $ 15.27 billion
      % insured (estimated) 59.82%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 11.91 million
Other borrowed funds $ 600.00 million
Subordinated debt N.A.
All other liabilities $ 189.72 million
      Total Liabilities $ 15.64 billion
      Shareholders’ Equity $ 3.17 billion

Summary Income Statement

March 31, 2024
Total Interest Income $ 213.43 million
Total Interest Expense $ 63.78 million
Net interest income $ 149.65 million
Provision for loan and lease losses $ 3.85 million
Total non interest income $ 25.82 million
Total non interest expense $ 100.64 million
Pre-tax Net Operating Income $ 196.78 million

Bank Loan Profile?

The top three loan types in Pacific Premier Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in California, Pacific Premier Bank has a significantly higher percent of Multifamily Mortgages 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 4.85
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.01
Construction and Development Loans 2.67
Commercial Real Estate 45.50
Commercial and Industrial Loans 12.68
Farm Loans 0.56

Customer Reviews for Pacific Premier Bank

  • July 22, 2015

    Fix your automated system so I can find information after you close

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