The regional note · prepared 8 September 2026

Pacific

169 banks and 418 credit unions read from their latest filings, every state in the Pacific states ranked against the others and the largest institutions against each other.

Small-business lending ↓

The states Washington · Oregon · California · Alaska · Hawaii

Banks

169 banks filing across 5 states · read from the 30 June 2026 Call Report

169

banks filing

$808B in assets

+8.3%

Loans, year over year

on the banks filing at both dates

37.0%

CRE / loans

in aggregate

83%

Loans / deposits

in aggregate

0.73%

Noncurrent / loans

+15 bps on a year earlier

11.4%

Equity / assets

in aggregate

The Pacific states's 169 banks hold $808B in assets at 30 June 2026, across 5 states. City National Bank is the largest at $99.1B, and the five largest hold 39% of the total; 76 institutions are above $1B, holding $713B. California holds the most, $566B.

Loans grew +8.3% in the year on the banks filing at both dates, fastest in Oregon at +22.4% and slowest in Hawaii at +1.6%. Noncurrent loans are 0.73% of the book, up 15 basis points on a year earlier; the rate rose in 5 states and fell in 0, rising most in Alaska (+23 bps) and highest outright in California at 0.80%.

By category, construction & land loans went late the most, the noncurrent rate +101 bps to 1.95%, then consumer (+31 bps to 1.08%); multifamily improved the most, -5 bps. Commercial real estate is 37.0% of loans in aggregate, heaviest in Alaska at 44.1%; the banks lend 83% of their deposits, and equity is 11.4% of assets.

The largest banks, by size

the twenty largest in each band headquartered in the Pacific states; each has its own read in the catalogue

Under $1B: the 20 largest of 86banks headquartered in the Pacific states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	HCN Bank	CA	$998M	+8.9%	90.8%	93%	0.00%	2.18%	11.4%
2	Summit State Bank	CA	$960M	-12.6%	53.5%	90%	2.43%	0.08%	10.6%
3	C3bank National Association	CA	$949M	+4.8%	60.4%	72%	0.00%	1.22%	9.9%
4	Pinnacle Bank	CA	$937M	+1.9%	46.6%	71%	2.30%	0.60%	11.7%
5	American Plus Bank N A	CA	$935M	+4.7%	83.2%	108%	0.04%	1.81%	16.0%
6	Bank of Eastern Oregon	OR	$934M	+9.4%	11.9%	84%	1.22%	1.94%	11.4%
7	Mountain Pacific Bank	WA	$896M	+5.7%	45.1%	105%	0.67%	1.44%	11.5%
8	Seattle Bank	WA	$891M	-17.4%	24.1%	94%	2.81%	1.08%	10.5%
9	First Bank	AK	$890M	+3.5%	28.6%	30%	0.03%	1.22%	8.0%
10	Hawaii National Bank	HI	$872M	+4.7%	24.7%	68%	0.05%	0.86%	10.8%
11	Bank of San Francisco	CA	$864M	+26.3%	31.9%	94%	0.09%	0.92%	10.1%
12	First Commercial Bank USA	CA	$850M	+6.4%	45.3%	113%	1.05%	1.12%	23.0%
13	Oregon Pacific Bank dba Or Pac	OR	$825M	+3.0%	54.9%	84%	0.39%	1.35%	10.6%
14	Citizens Bank	OR	$823M	+5.2%	34.3%	55%	0.04%	0.18%	10.6%
15	Endeavor Bank	CA	$823M	+6.2%	28.4%	92%	0.45%	1.04%	11.4%
16	River Valley Community Bank	CA	$793M	+12.3%	50.8%	58%	0.00%	0.64%	7.6%
17	Mission Valley Bank	CA	$782M	+5.7%	34.1%	102%	1.94%	0.80%	10.7%
18	Peoples Bank of Commerce	OR	$777M	+5.4%	46.6%	97%	0.90%	1.34%	14.9%
19	Bac Community Bank	CA	$762M	-0.7%	57.1%	68%	0.18%	0.78%	9.9%
20	Commencement Bank	WA	$740M	+8.7%	36.2%	84%	0.09%	0.96%	9.1%

$1B to $3B: the 20 largest of 37banks headquartered in the Pacific states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	West Coast Community Bank	CA	$2.94B	+7.7%	59.5%	90%	0.50%	2.04%	13.5%
2	Open Bank	CA	$2.75B	+9.0%	33.8%	96%	2.09%	1.20%	9.6%
3	Calprivate Bank	CA	$2.71B	+2.0%	39.3%	89%	1.26%	2.02%	11.1%
4	Avidbank	CA	$2.65B	+16.3%	39.4%	96%	0.65%	1.37%	11.6%
5	United Business Bank	CA	$2.56B	+3.7%	60.9%	96%	0.47%	0.12%	12.7%
6	El Dorado Savings Bank FSB	CA	$2.44B	-5.8%	0.1%	24%	0.28%	0.94%	13.8%
7	Peoples Bank	WA	$2.42B	-2.4%	38.8%	93%	0.11%	0.97%	13.3%
8	Cashmere Valley Bank	WA	$2.32B	+6.3%	37.7%	53%	0.35%	1.09%	11.1%
9	Plumas Bank	CA	$2.28B	+48.5%	40.4%	80%	1.55%	1.79%	12.4%
10	First Fed Bank	WA	$2.11B	-3.0%	36.1%	100%	1.28%	0.20%	8.6%
11	Timberland Bank	WA	$2.06B	+3.9%	52.5%	86%	0.56%	1.48%	13.2%
12	Beneficial State Bank	CA	$2.03B	+15.7%	42.8%	91%	2.53%	0.14%	9.3%
13	Montecito Bank & Trust	CA	$2.02B	+3.7%	41.0%	80%	0.17%	0.58%	9.3%
14	Mission Bank	CA	$2.01B	+12.9%	41.7%	87%	0.02%	1.63%	11.4%
15	Oak Valley Community Bank	CA	$2.00B	+5.0%	60.0%	66%	0.00%	1.11%	10.8%
16	Yakima Federal Savings & Loan Association	WA	$2.00B	+4.6%	10.5%	67%	0.28%	0.94%	27.7%
17	Commonwealth Business Bank	CA	$1.97B	+4.2%	49.4%	92%	1.88%	1.11%	14.0%
18	First Northern Bank of Dixon	CA	$1.93B	+2.6%	49.6%	65%	0.41%	1.12%	11.2%
19	U.S. Metro Bank	CA	$1.64B	+11.5%	52.2%	95%	1.54%	1.01%	9.8%
20	FFB Bank	CA	$1.62B	+15.5%	38.5%	91%	3.54%	1.29%	11.5%

$3B to $10B: the 20 largest of 30banks headquartered in the Pacific states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Tri Counties Bank	CA	$9.93B	+5.1%	55.1%	87%	0.94%	1.38%	13.9%
2	First American Trust FSB	CA	$9.23B			0%		1.36%	5.6%
3	American Savings Bank N.A.	HI	$9.05B	+2.4%	25.3%	76%	0.19%	1.23%	7.7%
4	Heritage Bank	WA	$8.42B	+20.4%	45.9%	82%	0.27%	0.99%	13.3%
5	Poppy Bank	CA	$8.32B	+10.8%	50.5%	93%	1.89%	1.32%	8.9%
6	Hanmi Bank	CA	$7.95B	+3.1%	47.4%	94%	0.15%	1.28%	11.2%
7	Preferred Bank	CA	$7.73B	+9.3%	57.4%	97%	1.57%	1.68%	10.3%
8	Central Pacific Bank	HI	$7.50B	+0.4%	28.8%	79%	0.30%	1.19%	8.5%
9	Mizrahi Tefahot Bank LTD	CA	$7.39B	+56.9%	0.6%	79%	0.12%
10	SMBC Manubank	CA	$6.60B	-40.2%	42.1%	48%	0.30%	-3.45%	11.5%
11	River City Bank	CA	$6.04B	+7.3%	87.3%	86%	0.00%	1.22%	9.4%
12	Fremont Bank	CA	$5.97B	+3.1%	24.7%	91%	0.39%	1.16%	7.8%
13	CTBC Bank Corp. USA	CA	$5.87B	+2.2%	38.5%	88%	1.55%	0.90%	13.4%
14	Farmers & Merchants Bank Central California	CA	$5.83B	+2.2%	32.2%	73%	0.13%	1.73%	11.8%
15	Westamerica Bank	CA	$5.77B	-10.6%	50.7%	14%	0.12%	1.81%	10.5%
16	Coastal Community Bank	WA	$5.45B	+19.9%	26.3%	88%	2.27%	-1.15%	8.6%
17	Five Star Bank	CA	$5.38B	+20.3%	69.4%	94%	0.30%	1.57%	9.8%
18	First National Bank Alaska	AK	$5.12B	+8.9%	53.9%	77%	0.47%	1.64%	11.4%
19	Community West Bank	CA	$5.02B	+47.7%	48.3%	86%	0.56%	0.73%	13.3%
20	Bank of Stockton	CA	$4.99B	+4.1%	36.9%	65%	0.08%	6.07%	19.5%

$10B to $20B: the 5 largest of 5banks headquartered in the Pacific states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Bank of Hope	CA	$18.99B	+4.1%	38.5%	94%	0.88%	0.74%	12.4%
2	Banner Bank	WA	$16.59B	+2.5%	41.8%	87%	0.46%	1.29%	11.9%
3	Bank of America Ca N.A.	CA	$14.81B	-12.3%	0.0%	77%	0.66%	0.74%	13.1%
4	Farmers & Merchants Bank Long Be	CA	$11.77B	+2.7%	66.7%	76%	0.01%	0.97%	13.9%
5	Washington Trust Bank	WA	$10.54B	+2.1%	32.9%	85%	0.73%	1.19%	9.6%

Over $20B: the 11 largest of 11banks headquartered in the Pacific states, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	City National Bank	CA	$99.10B	+6.3%	17.6%	85%	0.92%	0.96%	11.4%
2	East West Bank	CA	$84.32B	+7.3%	31.1%	84%	0.38%	1.75%	9.9%
3	Columbia Bank	OR	$65.37B	+25.3%	41.2%	90%	0.57%	1.25%	12.0%
4	Banc of California	CA	$34.90B	+1.7%	41.4%	89%	2.34%	-0.88%	10.8%
5	Axos Bank	CA	$28.87B	+24.6%	21.7%	101%	0.44%	2.14%	9.7%
6	Wafd Bank	WA	$27.58B	-1.2%	44.8%	96%	0.63%	0.98%	11.0%
7	Cathay Bank	CA	$24.64B	+4.1%	38.5%	98%	0.54%	1.54%	12.6%
8	Bank of Hawaii	HI	$23.81B	+2.1%	27.1%	68%	0.18%	1.03%	7.5%
9	First Hawaiian Bank	HI	$23.65B	+1.6%	30.2%	72%	0.30%	1.24%	11.9%
10	Mechanics Bank	CA	$21.25B	+46.9%	51.8%	75%	0.41%	1.01%	13.3%
11	Citizens Business Bank N.A.	CA	$21.18B	+43.8%	52.6%	73%	0.14%	1.03%	14.7%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

California carries the highest rate at 0.80%, then Alaska at 0.75%; Hawaii the lowest at 0.26%. The Pacific states in aggregate sits at 0.73%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 5 of 5 states and fell in 0. It rose most in Alaska (+23 bps) and California (+18 bps), and fell most in Hawaii (+2 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the Pacific states summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

Construction & land loans deteriorated the most, +101 bps to 1.95% noncurrent (51% of the category's noncurrent balance is one institution, Banc of California, at 12.7% of its own construction & land book); consumer +31 bps to 1.08%. 3 of the 11 categories improved. The highest rate outright among the categories that matter to the book is construction & land at 1.95%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$24.0B	0.57%	0.08%	1.88%	1.95%	+101 bps
Multifamily	$65.1B	0.25%	0.00%	0.29%	0.29%	-5 bps
Nonfarm nonresidential	$178B	0.25%	0.01%	0.73%	0.74%	+15 bps
1-4 family residential	$143B	0.37%	0.08%	0.57%	0.65%	+11 bps
Home equity lines	$16.2B	0.57%	0.08%	0.87%	0.95%	+1 bps
Commercial & industrial	$77.3B	0.44%	0.01%	0.88%	0.88%	+1 bps
Consumer	$12.2B	1.41%	0.54%	0.53%	1.08%	+31 bps
Credit card	$1.2B	2.49%	2.40%	2.28%	4.68%	-17 bps
Auto	$4.6B	1.81%	0.04%	0.34%	0.38%	-5 bps
Agricultural production	$3.4B	0.07%	0.00%	0.00%	0.00%	+0 bps
Farmland	$4.5B	0.25%	0.07%	2.11%	2.18%	+61 bps
All loans and leases	$561B	0.36%	0.05%	0.73%	0.79%	+18 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the Pacific states summed; bold, the category rising most this year

Construction & land peaked at 24.6% in 2010 and stands at 1.95% now, 8% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

Oregon grew fastest at +22.4%, 98% of the added loans in one institution, Columbia Bank, whose book went from $37.7B to $47.2B in the year; 3 states grew faster than 5% and 0 shrank, Hawaii the most at +1.6%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

Alaska is the most CRE-weighted at 44.1% of loans, then Oregon at 41.2%; 4 states sit above 30%, against 37.0% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

California has the most loans in the early bucket at 0.39%; the aggregate is 0.36%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the Pacific states' banks lendthe loan book of every bank summed by category as filed, 30 June 2026

1-4 family residential, closed-end is the largest category at 22.7% of $558B in loans, then Nonfarm nonresidential, non-owner-occupied at 21.0% and Commercial & industrial at 13.4%.

Who holds the Pacific states' bank assetseach institution's share of the $808B the region's 169 hold; the largest first, amber in the catalogue

City National Bank holds 12.3% of the total; the five largest hold 39%, and 76 of the 169 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

39% of the assets sit in 3.0% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter from the Pacific states; assets at the ends in the read

464 banks filed in 2008 Q1 holding $606B; 169 file now holding $808B. 64% fewer charters hold 33% more in assets.

Noncurrent loans since 2008every bank in the Pacific states summed, quarterly

The rate peaked at 5.14% in 2010 and stands at 0.73%, 14% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 76 · amber, in the catalogue

Mizrahi Tefahot Bank LTD (California) grew fastest at +56.9%; the median among banks over $1B is +4.1%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 76 · amber, in the catalogue

Malaga Bank FSB (California) is the most CRE-weighted at 93.6% of loans; 28 of the 76 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 76 · amber, in the catalogue

FFB Bank (California) carries the highest rate at 3.54%; 6 of the 76 are above 2%, and the median is 0.51%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 76 · amber, in the catalogue

9 of the 76 lend more than they hold in deposits, Malaga Bank FSB (California) the furthest at 132%; the median is 88%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 75 · amber, in the catalogue

Bank of Stockton (California) earns the most at 6.07%; 8 of the 76 earn under 0.50%, and the median is 1.19%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
California	116	$566B	+8.3%	36.8%	83%	0.80%	+18 bps	0.39%	1.08%	11.6%
Washington	29	$92.4B	+3.0%	39.7%	89%	0.71%	+8 bps	0.29%	0.96%	11.4%
Oregon	13	$73.7B	+22.4%	41.2%	90%	0.60%	+11 bps	0.28%	1.07%	12.0%
Hawaii	6	$65.6B	+1.6%	28.3%	72%	0.26%	+2 bps	0.37%	1.11%	9.3%
Alaska	5	$10.6B	+7.1%	44.1%	75%	0.75%	+23 bps	0.19%	1.45%	11.4%

Five years, 2021 to 2026the 163 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$395B	$557B	+41%
Deposits, in total	$551B	$668B	+21%
NPA / loans, median	0.21%	0.43%	+0.21 pts
Efficiency, median	58.8%	61.4%	+2.6 pts
ROA, median	1.17%	1.08%	-0.09 pts

Credit unions

418 credit unions filing across 5 states · read from the 31 March 2026 NCUA 5300

418

credit unions filing

$490B in assets

+8.8%

Loans, year over year

on the credit unions filing at both dates

11.5%

Member business loans / loans

in aggregate

80%

Loans / shares

in aggregate

0.69%

Delinquent / loans

+7 bps on a year earlier

11.2%

Net worth / assets

in aggregate

The Pacific states's 418 credit unions hold $490B in assets at 31 March 2026, across 5 states. Schoolsfirst is the largest at $36.7B, and the five largest hold 26% of the total; 99 institutions are above $1B, holding $425B. California holds the most, $322B.

Loans grew +8.8% in the year on the credit unions filing at both dates, fastest in California at +10.5% and slowest in Hawaii at +4.9%. Delinquent loans are 0.69% of the book, up 7 basis points on a year earlier; the rate rose in 4 states and fell in 1, rising most in Washington (+16 bps) and highest outright in Alaska at 1.16%.

Member business loans are 11.5% of the book in aggregate, heaviest in Washington at 20.0%. The credit unions lend 80% of their shares, and net worth is 11.2% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

Alaska carries the highest rate at 1.16%, 86% of it one institution, Global at 1.2% of its own book, then Oregon at 0.89%; California the lowest at 0.65%. The Pacific states in aggregate sits at 0.69%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 4 of 5 states and fell in 1. It rose most in Washington (+16 bps) and Alaska (+15 bps), and fell most in Hawaii (-1 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

California grew fastest at +10.5%, 53% of the added loans in one institution, First Technology, whose book went from $10.7B to $22.1B in the year; 4 states grew faster than 5% and 0 shrank, Hawaii the most at +4.9%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

Washington carries the most commercial lending at 20.0% of loans; the aggregate is 11.5%.

Who holds the Pacific states' credit union assetseach institution's share of the $490B the region's 418 hold; the largest first, amber in the catalogue

Schoolsfirst holds 7.5% of the total; the five largest hold 26%, and 99 of the 418 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

26% of the assets sit in 1.2% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter from the Pacific states; assets at the ends in the read

467 credit unions filed in 2022 Q1 holding $432B; 418 file now holding $490B. 10% fewer charters hold 14% more in assets.

Delinquency since 2022every credit union in the Pacific states summed, quarterly

The rate peaked at 0.76% in 2025 and stands at 0.69%, 91% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 95 · amber, in the catalogue

First Technology (California) grew fastest at +105.7%; the median among credit unions over $1B is +4.4%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 99 · amber, in the catalogue

Christian Community (California) carries the most commercial lending at 51.8% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 99 · amber, in the catalogue

Valley Strong (California) carries the highest rate at 2.09%; 1 of the 99 are above 2%, and the median is 0.58%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 99 · amber, in the catalogue

4 of the 99 lend more than they hold in shares, Oregon Community (Oregon) the furthest at 110%; the median is 84%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 99 · amber, in the catalogue

Safe 1 (California) earns the most at 1.79%; 37 of the 99 earn under 0.50%, and the median is 0.63%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
California	242	$322B	+10.5%	8.2%	79%	0.65%	+5 bps	0.50%	11.1%
Washington	75	$95.3B	+5.4%	20.0%	85%	0.67%	+16 bps	0.56%	11.4%
Oregon	47	$39.6B	+6.2%	14.8%	80%	0.89%	+5 bps	0.66%	12.1%
Hawaii	45	$17.3B	+4.9%	7.5%	57%	0.74%	-1 bps	0.76%	10.7%
Alaska	9	$16.5B	+7.7%	16.4%	90%	1.16%	+15 bps	0.86%	10.3%

Small-business lending

SBA 7(a) approvals into the Pacific states since FY2008, across every lender type

$86.8B of 7(a) credit has been approved into the Pacific states since FY2008 across 177,344 loans. Retail trade is the largest category at 17.7%, Accommodation & food services at 16.3%, Health care & social assistance at 11.2%; the three together are 45% of the money. The heaviest losses fall in Arts, entertainment & recreation, at 2.35% of approvals charged off.

7(a) lenders in the Pacific states, share of approvalssince FY2008, 653 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the Pacific states' 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Retail trade	$15.3B	26,374	17.7%	$235M	1.53%
Accommodation & food services	$14.1B	24,403	16.3%	$243M	1.72%
Health care & social assistance	$9.7B	16,626	11.2%	$89M	0.91%
Manufacturing	$7.7B	12,841	8.8%	$132M	1.72%
Wholesale trade	$7.0B	11,328	8.0%	$130M	1.86%
Other services	$6.9B	15,042	7.9%	$112M	1.63%
Professional & technical services	$6.8B	18,679	7.8%	$118M	1.75%
Construction	$5.7B	18,611	6.5%	$108M	1.92%
Transportation & warehousing	$2.9B	7,660	3.3%	$55M	1.92%
Real estate & leasing	$2.5B	4,453	2.9%	$20M	0.80%
Administrative & waste services	$2.2B	6,908	2.6%	$35M	1.58%
Arts, entertainment & recreation	$2.0B	4,606	2.3%	$47M	2.35%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
California	$65.4B	126,397	512
Washington	$13.5B	28,431	281
Oregon	$6.1B	15,587	255
Alaska	$1.1B	2,111	101
Hawaii	$634M	4,818	119

The other regions Great Lakes · Mid-Atlantic · Mountain West · New England · Plains · South Central · Southeast · Southwest

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Pacific institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the Pacific states

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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