Pacific Alliance Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.37% +4.37 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $60.8M | 60,763 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $454.4M | 454,450 | RCOAA224 |
| Recomputed ratio | 13.37% | numerator / denominator | |
| Filed ratio | 13.37% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.37 pp | $19.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 31,643 | 31,622 | 31,573 | 31,517 | 31,481 | 31,439 | RCOAP742 |
| Retained earnings | 29,122 | 28,210 | 25,955 | 26,400 | 25,461 | 24,163 | RCOAKW00 |
| Accumulated other comprehensive income | (1,293) | (1,261) | (1,168) | (1,261) | (1,599) | (1,652) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 59,472 | 58,571 | 56,360 | 56,656 | 55,343 | 53,950 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,291 | 1,259 | 1,166 | 1,258 | 1,596 | 1,649 | P859 - P840 |
| Common equity Tier 1 capital | 60,763 | 59,830 | 57,526 | 57,914 | 56,939 | 55,599 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 60,763 | 59,830 | 57,526 | 57,914 | 56,939 | 55,599 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 454,450 | 446,211 | 426,928 | 436,542 | 427,837 | 425,609 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.37% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.41% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.47% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.27% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.31% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.06% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.75% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 14.43% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 14.66% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 14.35% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 14.19% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 13.75% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Pacific Alliance Bank (this bank) | CBLR | NA | NA | NA | 13.37% | |
| The Lincoln National Bank of Hodgenville | $454.4M | Risk-based | 23.30% | 23.30% | 24.56% | 14.89% |
| Alliance Bank | $454.8M | CBLR | NA | NA | NA | 12.43% |
| Hometown Bank of Pennsylvania | $453.9M | Risk-based | 10.44% | 10.44% | 11.36% | 8.33% |
| Exchange Bank of Missouri | $453.8M | Risk-based | 11.47% | 11.47% | 12.46% | 9.51% |
| Edison National Bank | $453.7M | Risk-based | 29.49% | 29.49% | 30.74% | 9.03% |
| The Denison State Bank | $453.6M | CBLR | NA | NA | NA | 17.53% |
| Citizens State Bank | $453.3M | Risk-based | 14.01% | 14.01% | 14.82% | 9.58% |
| New Era Bank | $453.1M | CBLR | NA | NA | NA | 13.98% |
| The Hometown Savings Bank | $455.7M | Risk-based | 12.93% | 12.93% | 14.10% | 8.29% |
| First National Bank | $452.8M | CBLR | NA | NA | NA | 10.31% |
| Peer 25th percentile | 11.84% | 11.84% | 12.87% | 9.15% | ||
| Peer median | 13.47% | 13.47% | 14.46% | 9.95% | ||
| Peer 75th percentile | 20.98% | 20.98% | 22.12% | 13.59% | ||
| This bank's percentile | NA | NA | NA | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3546862/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.