Partners Bank of California: 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 Deposits to assets: 6.07 percentage points higher than in Q1 2026, at 84.53%. Within California, Partners Bank of California is 29th of 114 on return on assets, 1.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Partners Bank of California sits 0.18 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.70% |
| Tier 1 risk-based capital ratio | 13.70% |
| Total risk-based capital ratio | 14.96% |
| Tier 1 leverage ratio | 11.67% |
| Equity capital to assets | 11.30% |
| Tangible equity to tangible assets | 11.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.06% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 12.43% |
| Net interest margin | 4.04% |
| Efficiency ratio | 49.28% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.38% |
| Core deposits to total deposits | 83.70% |
| Brokered deposits to total deposits | 14.07% |
| Deposits to assets | 84.53% |
| Securities to assets | 0.55% |
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 | 12.89% | 12.89% | 14.15% | 10.84% | 1.00% |
| Q4 2023 | 13.03% | 13.03% | 14.29% | 10.77% | 1.08% |
| Q1 2024 | 13.65% | 13.65% | 14.91% | 11.16% | 1.32% |
| Q2 2024 | 13.94% | 13.94% | 15.21% | 11.71% | 1.17% |
| Q3 2024 | 14.26% | 14.26% | 15.52% | 11.51% | 1.33% |
| Q4 2024 | 14.36% | 14.36% | 15.62% | 10.17% | 1.06% |
| Q1 2025 | 14.87% | 14.87% | 16.13% | 9.08% | 0.78% |
| Q2 2025 | 14.43% | 14.43% | 15.69% | 9.32% | 0.77% |
| Q3 2025 | 14.76% | 14.76% | 16.02% | 8.45% | 1.10% |
| Q4 2025 | 13.75% | 13.75% | 15.01% | 8.75% | 0.81% |
| Q1 2026 | 14.15% | 14.15% | 15.41% | 9.53% | 1.13% |
| Q2 2026 | 13.70% | 13.70% | 14.96% | 11.67% | 1.43% |
Partners Bank of California vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners Bank of California, 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 Partners Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58588) · FFIEC NIC profile (RSSD 3655933)