Bank · FDIC insured
Pacific Crest Bank
Top CarrotA $318.5M bank headquartered in Lynnwood, WA, with 1 branch in Washington. Best rates: CDs 4.15% and savings 2.50% APY.
Pacific Crest Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#10 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pacific Crest Bank
Founded in 1984 in Seattle and now based in Lynnwood, Washington, Pacific Crest Bank is a local, independently owned community bank.
The bank converted to a Washington State-chartered savings bank as Phoenix Savings Bank in 1998, renamed to Pacific Crest Savings Bank in 2005, and became Pacific Crest Bank in 2025.
Pacific Crest Bank provides personalized banking and lending services to businesses and individuals throughout the Puget Sound region.
- Headquarters
- 3500 188th St Sw, Lynnwood, WA 98037
- FDIC certificate
- 34585 ↗
Branches
1 branch in Washington
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Washington
1 branch
- Pacific Crest BankMain office3500 188th St Sw, Lynnwood, WA 98037Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.14% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.47% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.59% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio11.14%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.59%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pacific Crest Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.