Pan Pacific Bank

Headquarters

47065 Warm Springs Boulevard
Fremont, CA 94539
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

Pan Pacific Bank is an FDIC insured institution located in Fremont, CA. It was founded in 2005 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57989
Date Established 2005
Assets $ 139.15 million
Loans $ 97.79 million
Deposits $ 118.42 million
Capital $ 18.02 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Pan Pacific 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
2.815% 2.750% 0.88 $2,122 $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
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Pan Pacific Bank
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Branches

Pan 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:
Fairfield,Connecticut


Pan Pacific Bank Locations


Financial Details

Pan Pacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pan 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
Pan Pacific Bank U.S. Bank Average
1.85% 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, Pan Pacific Bank had $365,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,015,000 in equity and $1,662,000 in loans loss reserves. That gives it a Texas Ratio of 1.85%.

Return on Equity
Pan Pacific Bank U.S. Bank Average
2.34% 7.80%

Pan Pacific Bank has a Return on Equity of 2.34% 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
Pan Pacific Bank U.S. Bank Average
12.95% 12.68%

Pan Pacific Bank has a Capitalization of 12.95% 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.

Pan Pacific Bank Balance Sheet Analysis

As of March 31, 2015, Pan Pacific Bank had assets of $141,477,000, loans of $97,789,000, and deposits of $118,419,000. 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 $ 97.79 million
Loan loss allowance $ 1.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 118.42 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 $ 139.15 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 Pan Pacific Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Small Business Loans.

Compared to other banks in California, Pan Pacific Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans 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 2.45
Multifamily
Mortgages
1.44
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 18.73
Construction and Development Loans 21.29
Commercial Real Estate 59.34
Commercial and Industrial Loans 17.03
Farm Loans 0.00

Frequently Asked Questions About Pan Pacific Bank

Branches and Savings

Is Pan Pacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57989.

Why does Pan 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 Pan Pacific Bank CD rates not competitive?

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

Is Pan Pacific Bank a commercial bank?

Yes

Where are Pan Pacific Bank locations?

See branch locations nearby.

Is Pan Pacific Bank open on Saturdays?

Is Pan Pacific Bank open on Sundays?

What time does Pan Pacific Bank open?

What time does Pan Pacific Bank close?

Are Pan Pacific Bank ATMs Open 24/7?

Do Pan Pacific Bank ATMs accept cash deposits?

Can Pan Pacific Bank customers use other ATMs?

Do Pan Pacific Bank branches have notaries?

Will Pan Pacific Bank notarize my document?

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

Will the Pan Pacific Bank branch print checks?

Do Pan Pacific Bank checks expire?

Does Pan Pacific Bank require US citizenship to open account?

Can Pan Pacific Bank close my account?

Does Pan Pacific Bank Report to credit bureaus?

Does Pan Pacific Bank Use Equifax?

What is Pan Pacific Bank's ACH Routing Number?

What is Pan Pacific Bank's SWIFT code?

Products

Does Pan Pacific Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Pan Pacific Bank offer personal loans?

Compare personal loan rates here.

Does Pan Pacific Bank offer student loans?

Will Pan Pacific Bank cash a check?

Will Pan Pacific Bank redeem a savings bond?

Does Pan Pacific Bank cash savings bonds?

Will Pan Pacific Bank cash money orders?

Can Pan Pacific Bank issue a money order?

Does Pan Pacific Bank do currency exchange?

Background on The Bank

Who owns Pan Pacific Bank?

How long has Pan Pacific Bank been around?

Can Pan Pacific Bank transfer to other banks?

Does Pan Pacific Bank have quick pay?

Does Pan Pacific Bank accept rolled coins?

Will Pan Pacific Bank accept loose change?

Where is Pan Pacific Bank headquarters?

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