Pacific Coast Bankers' 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: 16.40 percentage points higher than in Q1 2026, at 203.75%. Pacific Coast Bankers' Bank ranks 87th of 114 California banks on return on assets, in the lower half at 0.67% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Pacific Coast Bankers' Bank sits 0.60 points lower, at 0.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.98% |
| Tier 1 risk-based capital ratio | 22.98% |
| Total risk-based capital ratio | 23.91% |
| Tier 1 leverage ratio | 11.35% |
| Equity capital to assets | 11.76% |
| Tangible equity to tangible assets | 11.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.89% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 203.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 6.01% |
| Net interest margin | 2.79% |
| Efficiency ratio | 79.85% |
| Yield on earning assets | 4.82% |
| Cost of funds | 3.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.75% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 54.07% |
| Securities to assets | 9.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.13% | 30.13% | 30.95% | 10.38% | 0.46% |
| Q4 2023 | 30.46% | 30.46% | 31.27% | 10.20% | 0.88% |
| Q1 2024 | 29.41% | 29.41% | 30.20% | 11.35% | 0.51% |
| Q2 2024 | 27.24% | 27.24% | 28.02% | 10.74% | 0.69% |
| Q3 2024 | 26.79% | 26.79% | 27.55% | 12.86% | 1.00% |
| Q4 2024 | 27.12% | 27.12% | 27.88% | 11.52% | 0.82% |
| Q1 2025 | 26.40% | 26.40% | 27.15% | 11.78% | 0.62% |
| Q2 2025 | 26.61% | 26.61% | 27.47% | 13.37% | 1.03% |
| Q3 2025 | 24.71% | 24.71% | 25.54% | 13.53% | 0.31% |
| Q4 2025 | 23.87% | 23.87% | 24.69% | 13.00% | 1.03% |
| Q1 2026 | 23.76% | 23.76% | 24.67% | 13.10% | 0.64% |
| Q2 2026 | 22.98% | 22.98% | 23.91% | 11.35% | 0.67% |
Pacific Coast Bankers' Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Coast Bankers' 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 Coast Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34252) · FFIEC NIC profile (RSSD 2451240)