Pacific Coast Bankers' Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 15.91% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 15.91% (RCOAH311).
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.
Common equity Tier 1 ratio 22.98% +16.48 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $142.5M | 142,530 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $620.3M | 620,252 | RCOAA223 |
| Recomputed ratio | 22.98% | numerator / denominator | |
| Filed ratio | 22.98% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +16.48 pp | $102.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 22.98% +14.98 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $142.5M | 142,530 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $620.3M | 620,252 | RCOAA223 |
| Recomputed ratio | 22.98% | numerator / denominator | |
| Filed ratio | 22.98% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +14.98 pp | $92.9M | capital that could be lost first |
Total risk-based capital ratio 23.91% +13.91 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $148.3M | 148,316 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $620.3M | 620,252 | RCOAA223 |
| Recomputed ratio | 23.91% | numerator / denominator | |
| Filed ratio | 23.91% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +13.91 pp | $86.3M | capital that could be lost first |
Tier 1 leverage ratio 11.35% +6.35 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $142.5M | 142,530 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.26B | 1,255,918 | RCOAA224 |
| Recomputed ratio | 11.35% | numerator / denominator | |
| Filed ratio | 11.35% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.35 pp | $79.7M | 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 | 49,861 | 49,743 | 49,663 | 49,550 | 49,413 | 49,311 | RCOAP742 |
| Retained earnings | 92,669 | 90,551 | 91,337 | 90,030 | 90,723 | 89,511 | RCOAKW00 |
| Accumulated other comprehensive income | (528) | (594) | (459) | (431) | (689) | (851) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 142,002 | 139,700 | 140,541 | 139,149 | 139,447 | 137,971 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 528 | 595 | 460 | 431 | 689 | 851 | P859 - P840 |
| Common equity Tier 1 capital | 142,530 | 140,295 | 141,001 | 139,580 | 140,136 | 138,822 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 142,530 | 140,295 | 141,001 | 139,580 | 140,136 | 138,822 | RCOA8274 |
| Tier 2 capital | 5,786 | 5,372 | 4,884 | 4,720 | 4,518 | 3,970 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,786 | 5,372 | 4,884 | 4,720 | 4,518 | 3,970 | RCOA5310 |
| Total capital | 148,316 | 145,667 | 145,885 | 144,300 | 144,654 | 142,792 | RCOA3792 |
| Total risk-weighted assets | 620,252 | 590,422 | 590,752 | 564,922 | 526,552 | 525,902 | RCOAA223 |
| Average total assets for the leverage ratio | 1,255,918 | 1,070,945 | 1,084,787 | 1,031,866 | 1,048,206 | 1,178,071 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $394.1M | $16.5M | 4.18% | 2.66% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $121.3M | $24.3M | 20.00% | 3.91% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $2.5M | $500K | 20.00% | 0.08% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $75.5M | $57.3M | 75.84% | 9.23% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.8M | $4.2M | 150.00% | 0.68% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $455.6M | $455.5M | 100.00% | 73.45% | RC-R Part II, item 4.d, 5.d |
| All other assets | $42.3M | $36.5M | 86.32% | 5.89% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $4.7M | $4.7M | 100.00% | 0.76% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $186.7M | $19.8M | 10.61% | 3.19% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $908K | NA | 0.15% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $619.3M | ties to item 31 ($619.3M) |
|---|---|---|
| Risk-weighted assets before deductions | $620.3M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $620.3M | RCONG641, ties |
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 | Risk-based | 22.98% | 22.98% | 23.91% | 11.35% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 23.76% | 23.76% | 24.67% | 13.10% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 23.87% | 23.87% | 24.69% | 13.00% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 24.71% | 24.71% | 25.54% | 13.53% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 26.61% | 26.61% | 27.47% | 13.37% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 26.40% | 26.40% | 27.15% | 11.78% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 27.12% | 27.12% | 27.88% | 11.52% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 26.79% | 26.79% | 27.55% | 12.86% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 27.24% | 27.24% | 28.02% | 10.74% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 29.41% | 29.41% | 30.20% | 11.35% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 30.46% | 30.46% | 31.27% | 10.20% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 30.13% | 30.13% | 30.95% | 10.38% | 12.78% | 12.79% | 13.93% | 10.03% |
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 Coast Bankers' Bank (this bank) | Risk-based | 22.98% | 22.98% | 23.91% | 11.35% | |
| Provident Savings Bank, F.S.B. | $1.21B | Risk-based | 19.41% | 19.41% | 20.34% | 10.30% |
| The First National Bank of Hutchinson | $1.21B | Risk-based | 15.17% | 15.17% | 16.42% | 11.49% |
| Southwest Missouri Bank | $1.21B | Risk-based | 15.30% | 15.30% | 16.39% | 8.73% |
| Dallas Capital Bank, National Association | $1.21B | CBLR | NA | NA | NA | 11.35% |
| Dime Bank | $1.21B | Risk-based | 15.18% | 15.18% | 16.14% | 11.76% |
| BankFirst | $1.21B | Risk-based | 17.87% | 17.87% | 18.94% | 15.31% |
| West Michigan Community Bank | $1.21B | CBLR | NA | NA | NA | 9.22% |
| Citizens Bank & Trust | $1.20B | Risk-based | 14.67% | 14.67% | 15.64% | 8.93% |
| Bank of the Orient | $1.21B | CBLR | NA | NA | NA | 11.65% |
| Peoplessouth Bank | $1.21B | CBLR | NA | NA | NA | 10.45% |
| Peer 25th percentile | 15.17% | 15.17% | 16.20% | 9.49% | ||
| Peer median | 15.24% | 15.24% | 16.40% | 10.90% | ||
| Peer 75th percentile | 17.23% | 17.23% | 18.31% | 11.61% | ||
| This bank's percentile | 100 | 100 | 100 | 50 |
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/2451240/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.