Pacific Crest 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%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which rose 0.44 percentage points to 10.56%. Within Washington, Pacific Crest Bank is 5th of 21 on CET1 ratio, 14.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio; Pacific Crest Bank reported 14.79% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.79% |
| Tier 1 risk-based capital ratio | 14.79% |
| Total risk-based capital ratio | 16.05% |
| Tier 1 leverage ratio | 11.14% |
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 | $35.6M |
| Tier 1 capital | $35.6M |
| Total risk-based capital | $38.6M |
| Total equity capital | $33.7M |
| Risk-weighted assets | $240.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.59% |
| Tangible equity to tangible assets | 10.59% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 3.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $10.1M |
| Retained earnings | $25.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| 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 | 15.26% | 15.26% | 16.52% | 11.48% | $222.7M |
| Q4 2023 | 15.57% | 15.57% | 16.83% | 11.45% | $220.3M |
| Q1 2024 | 16.09% | 16.09% | 17.35% | 11.14% | $215.3M |
| Q2 2024 | 15.71% | 15.71% | 16.96% | 11.13% | $222.3M |
| Q3 2024 | 15.30% | 15.30% | 16.56% | 11.16% | $230.6M |
| Q4 2024 | 15.21% | 15.21% | 16.46% | 11.10% | $233.4M |
| Q1 2025 | 15.04% | 15.04% | 16.29% | 11.04% | $238.2M |
| Q2 2025 | 15.30% | 15.30% | 16.56% | 10.98% | $236.3M |
| Q3 2025 | 16.15% | 16.15% | 17.41% | 11.43% | $226.2M |
| Q4 2025 | 15.41% | 15.41% | 16.67% | 10.76% | $226.5M |
| Q1 2026 | 15.07% | 15.07% | 16.32% | 10.96% | $233.8M |
| Q2 2026 | 14.79% | 14.79% | 16.05% | 11.14% | $240.4M |
Pacific Crest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific Crest 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 Crest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34585) · FFIEC NIC profile (RSSD 2643595)