California Pacific Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets dropped 0.95 percentage points in Q2 2026, from 41.93% to 40.98%. It was the largest change from Q1 2026 among the key lines here. Among 74 California banks, California Pacific Bank sits 6th from the top on CET1 ratio, 40.47% as of Q2 2026. California Pacific Bank's CET1 ratio of 40.47% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 25.40 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 40.47% |
| Tier 1 risk-based capital ratio | 40.47% |
| Total risk-based capital ratio | 41.77% |
| Tier 1 leverage ratio | 40.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | $43.3M |
| Total equity capital | $42.0M |
| Risk-weighted assets | $103.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 40.91% |
| Tangible equity to tangible assets | 40.91% |
| Equity capital to average assets | 40.98% |
| Internal capital growth rate | 4.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $40K |
| Retained earnings | $37.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 55.48% | 55.48% | 56.81% | 46.34% | $72.3M |
| Q4 2023 | 54.40% | 54.40% | 55.72% | 46.49% | $75.6M |
| Q1 2024 | 59.77% | 59.77% | 61.10% | 47.80% | $70.4M |
| Q2 2024 | 57.63% | 57.63% | 58.96% | 47.24% | $74.5M |
| Q3 2024 | 48.89% | 48.89% | 50.21% | 43.82% | $78.7M |
| Q4 2024 | 51.10% | 51.10% | 52.43% | 45.41% | $76.8M |
| Q1 2025 | 49.27% | 49.27% | 50.59% | 47.12% | $81.0M |
| Q2 2025 | 45.55% | 45.55% | 46.86% | 43.91% | $89.1M |
| Q3 2025 | 45.08% | 45.08% | 46.38% | 41.66% | $91.4M |
| Q4 2025 | 43.15% | 43.15% | 44.47% | 41.65% | $95.0M |
| Q1 2026 | 42.14% | 42.14% | 43.45% | 41.93% | $98.4M |
| Q2 2026 | 40.47% | 40.47% | 41.77% | 40.98% | $103.7M |
California Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock California Pacific Bank, freeSource: Call Report Schedule RC-R, 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 California Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23242) · FFIEC NIC profile (RSSD 50461)