Partners Bank of California: 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 standout move of Q2 2026 was in Equity capital to average assets: 2.13 percentage points higher than in Q1 2026, at 11.66%. Partners Bank of California ranks 49th of 74 California banks on CET1 ratio, in the lower half at 13.70% (Q2 2026). Partners Bank of California reported 13.70% on CET1 ratio for Q2 2026, 1.37 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.70% |
| Tier 1 risk-based capital ratio | 13.70% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.67% |
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 | $68.1M |
| Tier 1 capital | $68.1M |
| Total risk-based capital | $74.4M |
| Total equity capital | $68.1M |
| Risk-weighted assets | $497.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.30% |
| Tangible equity to tangible assets | 11.30% |
| Equity capital to average assets | 11.66% |
| Internal capital growth rate | 5.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $36.5M |
| Common stock surplus | $3.3M |
| Retained earnings | $28.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$57K |
| 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 | 12.89% | 12.89% | 14.15% | 10.84% | $381.0M |
| Q4 2023 | 13.03% | 13.03% | 14.29% | 10.77% | $387.4M |
| Q1 2024 | 13.65% | 13.65% | 14.91% | 11.16% | $381.9M |
| Q2 2024 | 13.94% | 13.94% | 15.21% | 11.71% | $384.2M |
| Q3 2024 | 14.26% | 14.26% | 15.52% | 11.51% | $387.7M |
| Q4 2024 | 14.36% | 14.36% | 15.62% | 10.17% | $396.0M |
| Q1 2025 | 14.87% | 14.87% | 16.13% | 9.08% | $393.2M |
| Q2 2025 | 14.43% | 14.43% | 15.69% | 9.32% | $414.7M |
| Q3 2025 | 14.76% | 14.76% | 16.02% | 8.45% | $421.1M |
| Q4 2025 | 13.75% | 13.75% | 15.01% | 8.75% | $467.6M |
| Q1 2026 | 14.15% | 14.15% | 15.41% | 9.53% | $470.2M |
| Q2 2026 | 13.70% | 13.70% | 14.96% | 11.67% | $497.1M |
Partners Bank of California regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank of California, 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 Partners Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58588) · FFIEC NIC profile (RSSD 3655933)