Pacific Crest Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.05% (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: 8.05% (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 14.79% +8.29 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 | $35.6M | 35,558 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $240.4M | 240,393 | RCOAA223 |
| Recomputed ratio | 14.79% | numerator / denominator | |
| Filed ratio | 14.79% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.29 pp | $19.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 14.79% +6.79 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 | $35.6M | 35,558 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $240.4M | 240,393 | RCOAA223 |
| Recomputed ratio | 14.79% | numerator / denominator | |
| Filed ratio | 14.79% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +6.79 pp | $16.3M | capital that could be lost first |
Total risk-based capital ratio 16.05% +6.05 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 | $38.6M | 38,576 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $240.4M | 240,393 | RCOAA223 |
| Recomputed ratio | 16.05% | numerator / denominator | |
| Filed ratio | 16.05% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.05 pp | $14.5M | capital that could be lost first |
Tier 1 leverage ratio 11.14% +6.14 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 | $35.6M | 35,558 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $319.3M | 319,299 | RCOAA224 |
| Recomputed ratio | 11.14% | numerator / denominator | |
| Filed ratio | 11.14% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.14 pp | $19.6M | 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 | 10,050 | 10,008 | 9,966 | 9,925 | 9,883 | 9,841 | RCOAP742 |
| Retained earnings | 25,508 | 25,228 | 24,949 | 26,614 | 26,278 | 25,985 | RCOAKW00 |
| Accumulated other comprehensive income | (1,840) | (2,721) | (2,304) | (2,637) | (3,638) | (2,778) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,718 | 32,515 | 32,611 | 33,902 | 32,523 | 33,048 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,840 | 2,721 | 2,304 | 2,637 | 3,638 | 2,778 | P859 - P840 |
| Common equity Tier 1 capital | 35,558 | 35,236 | 34,915 | 36,539 | 36,161 | 35,826 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,558 | 35,236 | 34,915 | 36,539 | 36,161 | 35,826 | RCOA8274 |
| Tier 2 capital | 3,018 | 2,936 | 2,846 | 2,842 | 2,967 | 2,991 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,018 | 2,936 | 2,846 | 2,842 | 2,967 | 2,991 | RCOA5310 |
| Total capital | 38,576 | 38,172 | 37,761 | 39,381 | 39,128 | 38,817 | RCOA3792 |
| Total risk-weighted assets | 240,393 | 233,830 | 226,541 | 226,203 | 236,291 | 238,221 | RCOAA223 |
| Average total assets for the leverage ratio | 319,299 | 321,437 | 324,496 | 319,562 | 329,403 | 324,477 | 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 | $44.3M | $34K | 0.08% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $32.5M | $7.0M | 21.43% | 2.88% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $139.8M | $115.1M | 82.36% | 47.68% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $12.2M | $18.3M | 150.00% | 7.58% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.1M | $1.7M | 150.00% | 0.71% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $89.7M | $89.7M | 100.00% | 37.17% | RC-R Part II, item 4.d, 5.d |
| All other assets | $4.4M | $2.7M | 61.58% | 1.13% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $6.8M | $6.8M | 100.00% | 2.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $241.4M | ties to item 31 ($241.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $241.4M | RCONB704 |
| Less: excess allowance for credit losses | $1.0M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $240.4M | 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 | 14.79% | 14.79% | 16.05% | 11.14% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.07% | 15.07% | 16.32% | 10.96% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.41% | 15.41% | 16.67% | 10.76% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 16.15% | 16.15% | 17.41% | 11.43% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 15.30% | 15.30% | 16.56% | 10.98% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.04% | 15.04% | 16.29% | 11.04% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.21% | 15.21% | 16.46% | 11.10% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.30% | 15.30% | 16.56% | 11.16% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.71% | 15.71% | 16.96% | 11.13% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 16.09% | 16.09% | 17.35% | 11.14% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.57% | 15.57% | 16.83% | 11.45% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.26% | 15.26% | 16.52% | 11.48% | 14.65% | 14.67% | 15.79% | 10.60% |
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 Crest Bank (this bank) | Risk-based | 14.79% | 14.79% | 16.05% | 11.14% | |
| Alden State Bank | $318.4M | CBLR | NA | NA | NA | 12.71% |
| Guaranty Bank and Trust Company | $318.5M | Risk-based | 21.50% | 21.50% | 22.72% | 13.82% |
| Community State Bank of Rock Falls | $318.4M | Risk-based | 18.66% | 18.66% | 19.93% | 12.00% |
| Bank of Yazoo City | $318.2M | CBLR | NA | NA | NA | 12.00% |
| Citizens Bank & Trust Company of Ardmore | $318.8M | Risk-based | 16.44% | 16.44% | 17.43% | 10.60% |
| Tnbank | $318.1M | Risk-based | 12.31% | 12.31% | 13.35% | 10.61% |
| Centera Bank | $318.1M | Risk-based | 16.52% | 16.52% | 17.44% | 9.59% |
| The National Iron Bank | $318.0M | Risk-based | 16.00% | 16.00% | 16.83% | 8.48% |
| 1NB Bank | $319.0M | CBLR | NA | NA | NA | 10.29% |
| Peer 25th percentile | 16.11% | 16.11% | 16.98% | 10.29% | ||
| Peer median | 16.48% | 16.48% | 17.43% | 10.61% | ||
| Peer 75th percentile | 18.13% | 18.13% | 19.30% | 12.00% | ||
| This bank's percentile | 17 | 17 | 17 | 56 |
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/2643595/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.