Pacific Coast Bankers' Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pacific Coast Bankers' Bank of Walnut Creek, CA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.67% | 1.46% | -0.79% | 14th bottom |
| ROAE | 6.01% | 12.69% | -6.68% | 13th bottom |
| Net Interest Margin | 2.79% | 3.85% | -1.06% | 9th bottom |
| Efficiency Ratio | 79.85% | 57.39% | +22.46% | 7th bottom |
| PPNR / Avg Assets | 1.05% | 1.88% | -0.83% | 17th bottom |
| Yield on Earning Assets | 4.82% | 5.72% | -0.90% | 14th bottom |
| Cost of Funds | 3.00% | 2.02% | +0.98% | 8th bottom |
| Net Interest Spread | -2.54% | 3.18% | -5.72% | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.52% | 1.00% | -0.48% | 56th above |
| NPA / Total Assets | 0.23% | 0.76% | -0.53% | 72nd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 77th top |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 39th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 203.75% | 564.53% | -360.78% | 56th above |
| Texas Ratio | 1.89% | 7.39% | -5.50% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.98% | 17.33% | +5.65% | 94th top |
| Tier 1 Ratio | 22.98% | 17.36% | +5.62% | 94th top |
| Total Capital Ratio | 23.91% | 18.41% | +5.50% | 94th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.35% | 11.44% | -0.09% | 67th above |
| Equity / Assets | 11.76% | 11.33% | +0.43% | 73rd above |
| TCE / Tangible Assets | 11.76% | 10.50% | +1.26% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.75% | 86.96% | -5.21% | 66th above |
| Core Deposit Ratio | 100.00% | 85.55% | +14.45% | 99th top |
| Uninsured Deposit Ratio | 78.86% | 33.10% | +45.76% | 1st bottom |
| Wholesale Funding Ratio | 3.31% | 5.70% | -2.39% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.79% | 9.68% | -12.47% | 7th bottom |
| Loan Growth (Y/Y) | 22.62% | 8.05% | +14.57% | 93rd top |
| Deposit Growth (Y/Y) | 48.62% | 7.86% | +40.76% | 98th top |
See Pacific Coast Bankers' Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pacific Coast Bankers' Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pacific Coast Bankers' Bank profile, how to read a UBPR, or how this data updates.