Bank of the Pacific vs Yakima Fs&La
Side-by-side bank health comparison using FDIC financial data
Bank of the Pacific (A) and Yakima Fs&La (A) are close on the BankHealth rubric. Asset bases: $1.1B versus $2.1B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Bank of the Pacific has a stronger Bank Health Score of 95/100 (A) compared to Yakima Fs&La at 94/100 (A), a difference of 1 points. Bank of the Pacific holds a Tier 1 capital ratio of 16.4% and an NPL ratio of 0.19%.
| Metric | Bank of the Pacific | Yakima Fs&La |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 95/100 (A)* | 94/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.4% | 25.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 31.6% | 55.0%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.2%* | 0.7% |
| Total Assets | $1.1B | $2.1B |
| Total Deposits | $986M | $1.4B |
| Location | Aberdeen, Washington | Yakima, Washington |
Bank of the Pacific has a stronger Bank Health Score of 95/100 (A) compared to Yakima Fs&La at 94/100 (A), a difference of 1 points. Bank of the Pacific holds a Tier 1 capital ratio of 16.4% and an NPL ratio of 0.19%.