First 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%.
Risk-weighted assets rose 4.3% from Q1 2026 to Q2 2026, ending at $383.2M against $367.4M. It was the largest change among the key lines on this page. On CET1 ratio, First Pacific Bank is 5th from the bottom among 74 California banks, 11.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Pacific Bank sits 3.32 points lower, at 11.75% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.75% |
| Tier 1 risk-based capital ratio | 11.75% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.25% |
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 | $45.0M |
| Tier 1 capital | $45.0M |
| Total risk-based capital | $48.3M |
| Total equity capital | $45.5M |
| Risk-weighted assets | $383.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.84% |
| Tangible equity to tangible assets | 8.63% |
| Equity capital to average assets | 9.32% |
| Internal capital growth rate | 0.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $16.0M |
| Common stock surplus | $24.9M |
| Retained earnings | $5.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$544K |
| 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 | 11.07% | 11.07% | 12.02% | 8.72% | $325.5M |
| Q4 2023 | 11.01% | 11.01% | 11.98% | 8.72% | $329.8M |
| Q1 2024 | 11.23% | 11.23% | 12.22% | 8.60% | $325.7M |
| Q2 2024 | 11.78% | 11.78% | 12.80% | 8.61% | $314.0M |
| Q3 2024 | 11.81% | 11.81% | 12.82% | 8.84% | $316.6M |
| Q4 2024 | 12.37% | 12.37% | 13.41% | 8.97% | $307.8M |
| Q1 2025 | 11.69% | 11.69% | 12.66% | 8.98% | $330.1M |
| Q2 2025 | 11.39% | 11.39% | 12.31% | 8.84% | $345.0M |
| Q3 2025 | 11.26% | 11.26% | 12.16% | 8.74% | $355.7M |
| Q4 2025 | 12.48% | 12.48% | 13.39% | 9.53% | $353.4M |
| Q1 2026 | 12.19% | 12.19% | 13.05% | 9.57% | $367.4M |
| Q2 2026 | 11.75% | 11.75% | 12.61% | 9.25% | $383.2M |
First Pacific Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58218) · FFIEC NIC profile (RSSD 3470930)