Bank Of The Pacific (FDIC #23041): Bank Stress & Real-Estate Credit Exposure

Bank Of The Pacific (FDIC Cert #23041): bank stress 65/100, elevated, STABLE over 7 days; parent PACIFIC FINANCIAL CORP.

Bank Of The Pacific (#23041) lends in 9 counties across 2 states; Bank Of The Pacific (#23041) reaches 149 ZIP codes: Washington 7 counties, 103 ZIPs; Oregon 2 counties, 46 ZIPs.

Bank Of The Pacific (#23041) largest markets: Clackamas County, OR (37 branches, 37 ZIPs) (#23041), Grays Harbor County, WA (132 branches, 22 ZIPs) (#23041), Clark County, WA (20 branches, 20 ZIPs) (#23041), Whatcom County, WA (54 branches, 18 ZIPs) (#23041), Skagit County, WA (34 branches, 17 ZIPs) (#23041), Thurston County, WA (16 branches, 16 ZIPs) (#23041).

Bank Of The Pacific (#23041) reports $1.26 billion in total assets; Bank Of The Pacific (#23041) equity $138.9 million (11.0% of Bank Of The Pacific (#23041) assets); Bank Of The Pacific (#23041) domestic deposits $1.11 billion; Bank Of The Pacific (#23041) net income $6.9 million; Bank Of The Pacific (#23041) return on assets 1.09%; Bank Of The Pacific (#23041) return on equity 9.98%; Bank Of The Pacific (#23041) net interest income $24.7 million; Bank Of The Pacific (#23041) call report June 30, 2026.

Bank Of The Pacific (#23041) noncurrent real-estate loans: none reported; Bank Of The Pacific (#23041) net charge-offs on real estate 0.02%.

Bank Of The Pacific (#23041) net interest margin 4.15% against an eight-quarter Bank Of The Pacific (#23041) average of 4.24% (Bank Of The Pacific (#23041) compression 0.09 points); Bank Of The Pacific (#23041) rate-exposure score 40/100, Bank Of The Pacific (#23041) fixed-rate trap 40/100; Bank Of The Pacific (#23041) risk type credit driven; Bank Of The Pacific (#23041) rate regime rates elevated, Bank Of The Pacific (#23041) snapshot October 19, 2026.

Bank Of The Pacific (#23041) stress score moved from 65.8 on June 22, 2026 to 65.3 on October 20, 2026; Bank Of The Pacific (#23041) ranged 65.3 to 65.8 over 117 snapshots.

Bank Of The Pacific (#23041) alerts: 9 counties; top Bank Of The Pacific (#23041) alert scores: Burlington County, WA 22 (low); Cathlamet County, WA 22 (low); Lake Oswego County, WA 22 (low); Lynden County, WA 22 (low); Olympia County, WA 22 (low).