Pacific Alliance Bank
San Gabriel, CA·RSSD 3546862·FDIC 58234·bank:3546862·CBLR opted in
- #86 of 120Total assets in California
- 3offices
- 34employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Pacific Alliance Bank
5 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.49%peers 1.80%+170 bps
Pacific Alliance Bank's cost of all deposits was 3.49%, compared with a median of 1.80% among 1432 similar banks: higher than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.49% | 1.80% | +170 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings0.05%peers 0.45%-39 bps
Pacific Alliance Bank's noninterest income relative to average assets was 0.05%, compared with a median of 0.45% among 1434 similar banks: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.05% | 0.45% | -39 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile. How signals work
C&I lending shrinking while the peer median growsNotable: Lending 2nd quarter-29.4%peers +2.4%-31.9 pp
Pacific Alliance Bank's commercial and industrial loans declined 29.4% over the past year to $34.6 million. The median among 1405 similar banks was +2.4%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| -29.4% | +2.4% | -31.9 pp |
| Commercial and industrial loans | ||
| $34.6 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency62.6%peers 60.8%+1.8 pp
Pacific Alliance Bank's efficiency ratio rose 12.2 percentage points over the past year to 62.6%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 62.6% | 60.8% | +1.8 pp |
| 12-month change | ||
| +12.2 pp | -2.1 pp | +14.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile. How signals work
Deposit costs falling faster than peersStrength: Funding 2nd quarter3.49%peers 1.80%+170 bps
Pacific Alliance Bank's cost of all deposits fell 44 bps over the past year to 3.49%. Among 1431 similar banks, the median fell 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.49% | 1.80% | +170 bps |
| 12-month change | ||
| -44 bps | -15 bps | -29 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Pacific Alliance Bank is a bank headquartered in San Gabriel, California. It reported $454 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $369 million, up 6.1% from a year earlier, and loans totaled $348 million, up 0.3%.
- Its net interest margin was 3.16% and its annualized return on assets was 0.81% for the quarter.
- Its cost of all deposits was 3.49%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Pacific Alliance Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Pacific Alliance Bank · Bank
- Federal Reserve RSSD
- 3546862
- FDIC certificate
- 58234
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Pacific Alliance Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $913K | — | |
| $6.72M | — | |
| $3.32M | — | |
| $3.41M | — | |
| $58K | — | |
| $2.17M | — | |
| $0 | — | |
| $0 | — | |
| 0.81% | 0.81%ROAQ · Quarter | |
| 3.16% | 3.15%NIMYQ · Quarter | |
| 62.63% | 62.63%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.