We are pleased to announce our five-star superior rating from BauerFinancial, based on the independent research firm’s latest quarterly analysis. This is the 11th consecutive quarter that we've earned BauerFinancial’s highest rating. To determine its star ratings, BauerFinancial performs an independent analysis of financial institutions across the country using new and historical data reported to state and federal regulators each quarter. Banks and credit unions earn zero to five stars based on profitability, loan data, repossession rates, reserve amounts, regulatory compliance and other criteria. Institutions that earn four and five stars are placed on Bauer’s Recommended Report, where Pacific Crest Savings Bank has been featured each quarter since 2013.