Pacific Coast Bankers' Bank
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Data as of · sourced from FFIEC call reports. How we update
Pacific Coast Bankers' Bank is an FDIC-insured commercial bank headquartered in Walnut Creek, CA, established in 1997 (FDIC certificate 34252), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.21B, down 2.8% from Q2 2025, the 55th largest of 113 banks headquartered in California. Its CET1 capital ratio was 22.98% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34252
- Headquarters
- Walnut Creek, CA
- Established
- 1997
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- -2.8%
- CET1 ratio, Q2 2026
- 22.98%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 121042484
- Latest call report
- Q2 2026, FFIEC 041 · Pacific Coast Bankers' Bank call report
- Holding company
- PACIFIC COAST BANKERS' BANCSHARES
- Asset rank in state
- 55th of 113 in California
Problem loans are rising at Pacific Coast Bankers' Bank. It reported $1.2 billion in assets at June 30, 2026, down 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.52% of loans from 0.00% a year earlier. It spends about 80 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 22.6% and deposits rose 48.6%. Delinquency has appeared in its $71 million multifamily book: 3.94% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 3.00% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
As of June 30, 2026, Pacific Coast Bankers' Bank reported a CET1 capital ratio of 22.98%, a return on assets of 0.67%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 1.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pacific Coast Bankers' Bank is the 55th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 11.3% to $1.21B, loans rose 4.8% and deposits rose 16.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 46.1% of total loans, followed by commercial and industrial loans at 28.2%. Its one office in the FDIC Summary of Deposits is in Walnut Creek, CA. By the capital ratios in its Q2 2026 call report, Pacific Coast Bankers' Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1255 Treat Blvd, Walnut Creek, CA 94597
- County
- Contra Costa
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 2, 1997
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 123
- Domestic deposits
- $653.0M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.26B
- Average total loans
- $525.4M
- Average interest-bearing deposits
- $286.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1997
- FDIC Cert
- 34252
- Fed RSSD
- 2451240
- Website
- pcbb.com →
- Parent Holding Company
- PACIFIC COAST BANKERS' BANCSHARES (RSSD 2731586)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pacific Coast Bankers' Bank's total assets ran between $937.6M (Q3 2024) and $1.43B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.24B; $1.07B total liabilities against $1.10B.
$528.1M net loans and leases against $430.9M; $653.0M total deposits against $439.3M.
$120.5M securities against $112.1M; $396.6M cash and balances due against $548.3M.
$13.2M total interest income against $11.5M; $5.6M total interest expense against $4.6M.
$7.7M net interest income against $7.0M.
$8.6M total noninterest income against $9.8M; $13.0M total noninterest expense against $12.4M.
$414K provision for credit losses against $549K.
$2.1M net income against $2.7M.
0.67% return on assets against 1.03%; 2.79% net interest margin against 3.20%.
22.98% CET1 capital ratio against 26.61%; 11.35% tier 1 leverage ratio against 13.37%.
Inside the full Pacific Coast Bankers' Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pacific Coast Bankers' Bank rankings
Its closest position to the top of a national ranking is 12 of 980, for uninsured deposits; its furthest is 3,234 of 3,606, for efficiency ratio.
Metric pages for Pacific Coast Bankers' Bank: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.31% (Q3 2025) to 1.03% (Q2 2025) and its net interest margin ran from 2.79% (Q4 2024) to 3.32% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.98% | 0.67% | 0.52% | 1.89% | 2.79% |
| Q1 2026 | 23.76% | 0.64% | 0.55% | 1.93% | 3.18% |
| Q4 2025 | 23.87% | 1.03% | 0.56% | 1.86% | 3.09% |
| Q3 2025 | 24.71% | 0.31% | 0.79% | 2.58% | 3.32% |
| Q2 2025 | 26.61% | 1.03% | 0.00% | 0.00% | 3.20% |
| Q1 2025 | 26.40% | 0.62% | 0.00% | 0.00% | 2.84% |
| Q4 2024 | 27.12% | 0.82% | 0.00% | 0.00% | 2.79% |
| Q3 2024 | 26.79% | 1.00% | 0.00% | 0.00% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pacific Coast Bankers' Bank (main office) | Walnut Creek , CA | 94597 | $653.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 100 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pacific Coast Bankers' Bank
What are Pacific Coast Bankers' Bank's total assets?
As of the Q2 2026 filing, Pacific Coast Bankers' Bank reported total assets of $1.21 billion in its FFIEC call report.
Where is Pacific Coast Bankers' Bank headquartered?
It is headquartered in Walnut Creek, CA, United States.
When was Pacific Coast Bankers' Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Pacific Coast Bankers' Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pacific Coast Bankers' Bank?
Pacific Coast Bankers' Bank's primary federal regulator is the Federal Reserve.
What is Pacific Coast Bankers' Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pacific Coast Bankers' Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pacific Coast Bankers' Bank's Texas Ratio?
Its Texas Ratio is 1.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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