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Data through Q3 2026 · 4,200 institutions
Regulatory profile
San Gabriel, CA · FDIC certificate #58234
PACIFIC ALLIANCE BANK is an FDIC-insured institution based in San Gabriel, CA (FDIC certificate #58234). In its Q3 2026 Call Report it reported total assets of $445M, total deposits of $358M and net loans of $335M. Its primary federal regulator is FDIC.
Plain-language readout
PACIFIC ALLIANCE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $454M in Q2 2026 and were lowest at $445M in Q3 2026.
Total deposits were highest at $369M in Q2 2026 and lowest at $358M in Q3 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $445M | $358M | $335M | 1.37% | 10.46% | 3.21% |
| Q2 2026 | $454M | $369M | $343M | 1.56% | 12.01% | 3.13% |
| Q1 2026 | $451M | $367M | $344M | 2.32% | 17.94% | 3.11% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $59.1M | $55.5M | +$3.6M | +6.6% |
| Federal funds sold | $10.7M | $11.3M | -$580K | -5.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $22.7M | $21.4M | +$1.3M | +6.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $343.2M | $344.4M | -$1.2M | -0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.5M | $9.7M | -$152K | -1.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $91K | $106K | -$15K | -14.2% |
| All other assets | $9.1M | $8.4M | +$687K | +8.2% |
| Total assets | $454.4M | $450.7M | +$3.7M | +0.8% |
| Liabilities | ||||
| Total deposits | $369.2M | $366.5M | +$2.6M | +0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $17.0M | $17.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $8.7M | $8.6M | +$162K | +1.9% |
| Total liabilities | $394.9M | $392.1M | +$2.8M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $29.7M | $29.7M | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | +$20K | +1.0% |
| Retained earnings | $29.1M | $28.2M | +$913K | +3.2% |
| Accumulated other comprehensive income | -$1.3M | -$1.3M | -$32K | -2.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $59.5M | $58.6M | +$901K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $555K | $558K | -$3K | -0.5% |
| Adjusted nonperforming assets | $555K | $558K | -$3K | -0.5% |
| Tangible equity plus allowance | $64.2M | $63.3M | +$916K | +1.4% |
| Texas ratio (gross) | 0.86% | 0.88% | -0.02 pts | See points |
| Texas ratio (adjusted) | 0.86% | 0.88% | -0.02 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.86% | 0.88% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.37% | 13.41% | -0.04 pts | See points |
| Construction and land loans to total capital | 76.63% | 66.43% | +10.19 pts | See points |
| Commercial real estate to total capital | 377.14% | 385.68% | -8.54 pts | See points |
| Dividend payout, year to date | 9.25% | 12.53% | -3.28 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.02% | -2.99% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $272.5M | $275.3M | -$2.8M | -1.0% |
| Non-core funding | $113.7M | $108.3M | +$5.4M | +5.0% |
| Loans to core deposits | 127.72% | 126.86% | +0.86 pts | See points |
| Loans to deposits | 94.26% | 95.27% | -1.00 pts | See points |
| Brokered deposits share of deposits | 5.49% | 4.30% | +1.19 pts | See points |
| Pledged securities share of securities | 40.28% | 40.78% | -0.50 pts | See points |
| Loans pledged, share of loans | 21.59% | 22.73% | -1.14 pts | See points |
| Volatile liabilities | $137.9M | $131.8M | +$6.2M | +4.7% |
| Earnings | ||||
| Earnings before provision, year to date | $5.0M | $3.7M | +$1.3M | +34.7% |
| Earnings before provision, single quarter | $1.3M | $3.7M | -$2.4M | -65.3% |
| Provision for credit losses, year to date | $63K | $63K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.82% | 6.75% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.63% | +0.04 pts | See points |
| Total interest income to average assets | 5.92% | 5.94% | -0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.23% | 0.15% | +0.07 pts | See points |
| Cost of savings and money market deposits | 3.49% | 3.43% | +0.06 pts | See points |
| Cost of time deposits | 3.71% | 3.79% | -0.08 pts | See points |
| Total interest expense to average assets | 2.92% | 2.98% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $445M | $358M | $335M | 1.37% | 10.46% | 3.21% |
| 2026-06-30 | $454M | $369M | $343M | 1.56% | 12.01% | 3.13% |
| 2026-03-31 | $451M | $367M | $344M | 2.32% | 17.94% | 3.11% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $348M | 0.02% | 125 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.