PCB Bank: 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 Reserve coverage of non-performing loans: 32.45 percentage points higher than in Q1 2026, at 398.37%. PCB Bank ranks 40th of 114 California banks on return on assets, in the upper half at 1.26% (Q2 2026). At 1.26%, PCB Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.35% |
| Tier 1 risk-based capital ratio | 13.35% |
| Total risk-based capital ratio | 14.58% |
| Tier 1 leverage ratio | 11.54% |
| Equity capital to assets | 11.20% |
| Tangible equity to tangible assets | 11.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.06% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 398.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 11.11% |
| Net interest margin | 3.31% |
| Efficiency ratio | 48.05% |
| Yield on earning assets | 6.02% |
| Cost of funds | 3.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.04% |
| Core deposits to total deposits | 63.61% |
| Brokered deposits to total deposits | 8.38% |
| Deposits to assets | 84.57% |
| Securities to assets | 5.31% |
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 | 15.87% | 15.87% | 17.11% | 13.44% | 1.12% |
| Q4 2023 | 14.85% | 14.85% | 16.07% | 13.16% | 0.91% |
| Q1 2024 | 14.37% | 14.37% | 15.59% | 12.44% | 0.69% |
| Q2 2024 | 14.38% | 14.38% | 15.60% | 12.37% | 0.91% |
| Q3 2024 | 14.33% | 14.33% | 15.54% | 12.49% | 1.11% |
| Q4 2024 | 13.72% | 13.72% | 14.92% | 12.16% | 0.97% |
| Q1 2025 | 13.42% | 13.42% | 14.63% | 11.82% | 1.02% |
| Q2 2025 | 13.23% | 13.23% | 14.47% | 11.50% | 1.16% |
| Q3 2025 | 13.61% | 13.61% | 14.85% | 11.25% | 1.39% |
| Q4 2025 | 13.49% | 13.49% | 14.72% | 11.55% | 1.14% |
| Q1 2026 | 13.46% | 13.46% | 14.68% | 11.70% | 1.30% |
| Q2 2026 | 13.35% | 13.35% | 14.58% | 11.54% | 1.26% |
PCB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PCB Bank, 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 PCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57463) · FFIEC NIC profile (RSSD 3212402)