PCB 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%.
Accumulated other comprehensive income fell 6.6% from Q1 2026 to Q2 2026, ending at -$6.1M against -$5.8M. It was the largest change among the key lines on this page. Within California, PCB Bank is 54th of 74 on CET1 ratio, 13.35% as of Q2 2026, below the middle of the field. At 13.35%, PCB Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.58% |
| Tier 1 leverage ratio | 11.54% |
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 | $393.7M |
| Tier 1 capital | $393.7M |
| Total risk-based capital | $430.0M |
| Total equity capital | $388.4M |
| Risk-weighted assets | $2.95B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.20% |
| Tangible equity to tangible assets | 11.18% |
| Equity capital to average assets | 11.39% |
| Internal capital growth rate | 3.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $31.1M |
| Common stock surplus | $191.4M |
| Retained earnings | $171.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.1M |
| 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 | 15.87% | 15.87% | 17.11% | 13.44% | $2.19B |
| Q4 2023 | 14.85% | 14.85% | 16.07% | 13.16% | $2.36B |
| Q1 2024 | 14.37% | 14.37% | 15.59% | 12.44% | $2.44B |
| Q2 2024 | 14.38% | 14.38% | 15.60% | 12.37% | $2.47B |
| Q3 2024 | 14.33% | 14.33% | 15.54% | 12.49% | $2.51B |
| Q4 2024 | 13.72% | 13.72% | 14.92% | 12.16% | $2.65B |
| Q1 2025 | 13.42% | 13.42% | 14.63% | 11.82% | $2.74B |
| Q2 2025 | 13.23% | 13.23% | 14.47% | 11.50% | $2.81B |
| Q3 2025 | 13.61% | 13.61% | 14.85% | 11.25% | $2.78B |
| Q4 2025 | 13.49% | 13.49% | 14.72% | 11.55% | $2.84B |
| Q1 2026 | 13.46% | 13.46% | 14.68% | 11.70% | $2.90B |
| Q2 2026 | 13.35% | 13.35% | 14.58% | 11.54% | $2.95B |
PCB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PCB 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 PCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57463) · FFIEC NIC profile (RSSD 3212402)