Pacific Coast Bankers' 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 1.74 percentage points in Q2 2026, from 13.04% to 11.31%. It was the largest change from Q1 2026 among the key lines here. Within California, Pacific Coast Bankers' Bank is 14th of 74 on CET1 ratio, 22.98% as of Q2 2026, above the middle of the field. Pacific Coast Bankers' Bank's CET1 ratio of 22.98% is well above the 13.49% median for banks in the $1B-10B asset tier, a gap of 9.49 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 22.98% |
| Tier 1 risk-based capital ratio | 22.98% |
| Total risk-based capital ratio | 23.91% |
| Tier 1 leverage ratio | 11.35% |
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 | $142.5M |
| Tier 1 capital | $142.5M |
| Total risk-based capital | $148.3M |
| Total equity capital | $142.0M |
| Risk-weighted assets | $620.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.76% |
| Tangible equity to tangible assets | 11.76% |
| Equity capital to average assets | 11.31% |
| Internal capital growth rate | 6.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $49.9M |
| Common stock surplus | $0 |
| Retained earnings | $92.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$528K |
| 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 | 30.13% | 30.13% | 30.95% | 10.38% | $450.9M |
| Q4 2023 | 30.46% | 30.46% | 31.27% | 10.20% | $451.2M |
| Q1 2024 | 29.41% | 29.41% | 30.20% | 11.35% | $462.7M |
| Q2 2024 | 27.24% | 27.24% | 28.02% | 10.74% | $502.7M |
| Q3 2024 | 26.79% | 26.79% | 27.55% | 12.86% | $516.0M |
| Q4 2024 | 27.12% | 27.12% | 27.88% | 11.52% | $514.0M |
| Q1 2025 | 26.40% | 26.40% | 27.15% | 11.78% | $525.9M |
| Q2 2025 | 26.61% | 26.61% | 27.47% | 13.37% | $526.6M |
| Q3 2025 | 24.71% | 24.71% | 25.54% | 13.53% | $564.9M |
| Q4 2025 | 23.87% | 23.87% | 24.69% | 13.00% | $590.8M |
| Q1 2026 | 23.76% | 23.76% | 24.67% | 13.10% | $590.4M |
| Q2 2026 | 22.98% | 22.98% | 23.91% | 11.35% | $620.3M |
Pacific Coast Bankers' Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Coast Bankers' 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 Pacific Coast Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34252) · FFIEC NIC profile (RSSD 2451240)