Pacific Alliance Bank: 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: 4.65 percentage points higher than in Q1 2026, at 864.14%. Within California, Pacific Alliance Bank is 78th of 114 on return on assets, 0.80% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Pacific Alliance Bank sits 0.45 points lower, at 0.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.37% |
| Equity capital to assets | 13.09% |
| Tangible equity to tangible assets | 13.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 864.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 6.19% |
| Net interest margin | 3.09% |
| Efficiency ratio | 62.54% |
| Yield on earning assets | 6.10% |
| Cost of funds | 3.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.26% |
| Core deposits to total deposits | 73.81% |
| Brokered deposits to total deposits | 5.49% |
| Deposits to assets | 81.25% |
| Securities to assets | 4.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.75% | 0.78% | 3.12% | 0.16% | 0.00% |
| Q4 2023 | 14.19% | 0.90% | 3.09% | 0.11% | 0.19% |
| Q1 2024 | 14.35% | 0.64% | 2.78% | 0.12% | 0.00% |
| Q2 2024 | 14.66% | 0.67% | 2.72% | 0.11% | 0.00% |
| Q3 2024 | 14.43% | 0.28% | 2.63% | 0.20% | 0.03% |
| Q4 2024 | 13.75% | -0.07% | 2.46% | 0.15% | -0.03% |
| Q1 2025 | 13.06% | 0.47% | 2.37% | 1.66% | -0.03% |
| Q2 2025 | 13.31% | 1.21% | 3.23% | 0.18% | 0.00% |
| Q3 2025 | 13.27% | 0.86% | 3.01% | 0.91% | 0.00% |
| Q4 2025 | 13.47% | -0.42% | 3.06% | 0.17% | 0.00% |
| Q1 2026 | 13.41% | 2.31% | 3.06% | 0.16% | 0.00% |
| Q2 2026 | 13.37% | 0.80% | 3.09% | 0.16% | 0.00% |
Pacific Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Alliance Bank, 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 Pacific Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58234) · FFIEC NIC profile (RSSD 3546862)