Bankpacific, Ltd.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.28 percentage points lower than in Q1 2026, at 31.96%. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Bankpacific, Ltd. sits 0.45 points lower, at 0.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.81% |
| Tier 1 risk-based capital ratio | 26.81% |
| Total risk-based capital ratio | 27.94% |
| Tier 1 leverage ratio | 11.91% |
| Equity capital to assets | 11.60% |
| Tangible equity to tangible assets | 11.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.03% |
| Non-performing assets ratio | 1.81% |
| Net charge-off ratio | 0.33% |
| Texas ratio | 14.99% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 31.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 6.84% |
| Net interest margin | 5.44% |
| Efficiency ratio | 80.91% |
| Yield on earning assets | 5.45% |
| Cost of funds | 0.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.57% |
| Core deposits to total deposits | 85.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.11% |
| Securities to assets | 25.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 24.26% | 24.26% | 25.25% | 10.65% | 1.04% |
| Q4 2023 | 24.13% | 24.13% | 25.16% | 10.86% | 0.72% |
| Q1 2024 | 24.45% | 24.45% | 25.57% | 11.12% | 1.10% |
| Q2 2024 | 25.07% | 25.07% | 26.33% | 11.56% | 0.07% |
| Q3 2024 | 25.17% | 25.17% | 26.38% | 11.70% | 0.47% |
| Q4 2024 | 24.88% | 24.88% | 26.11% | 11.84% | 0.32% |
| Q1 2025 | 24.37% | 24.37% | 25.62% | 11.50% | 0.50% |
| Q2 2025 | 25.23% | 25.23% | 26.48% | 11.98% | 0.69% |
| Q3 2025 | 26.45% | 26.45% | 27.70% | 12.01% | 1.13% |
| Q4 2025 | 27.24% | 27.24% | 28.49% | 12.38% | 0.74% |
| Q1 2026 | 26.83% | 26.83% | 28.04% | 11.87% | 0.63% |
| Q2 2026 | 26.81% | 26.81% | 27.94% | 11.91% | 0.81% |
Bankpacific, Ltd. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankpacific, Ltd., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bankpacific, Ltd. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30692) · FFIEC NIC profile (RSSD 364270)