Preferred 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.
Reserve coverage of non-performing loans climbed 32.77 percentage points in Q2 2026, from 44.39% to 77.15%. It was the largest change from Q1 2026 among the key lines here. Preferred Bank ranks 19th of 114 California banks on return on assets, in the upper half at 1.74% (Q2 2026). Preferred Bank reported 1.74% on return on assets for Q2 2026, 0.47 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.06% |
| Tier 1 risk-based capital ratio | 11.06% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 10.55% |
| Equity capital to assets | 10.26% |
| Tangible equity to tangible assets | 10.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.57% |
| Non-performing assets ratio | 1.32% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.72% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 77.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 17.16% |
| Net interest margin | 3.71% |
| Efficiency ratio | 32.21% |
| Yield on earning assets | 6.49% |
| Cost of funds | 3.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.95% |
| Core deposits to total deposits | 57.69% |
| Brokered deposits to total deposits | 14.17% |
| Deposits to assets | 83.78% |
| Securities to assets | 7.04% |
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 | 11.60% | 11.60% | 15.27% | 10.46% | 2.26% |
| Q4 2023 | 11.57% | 11.57% | 15.18% | 10.85% | 2.15% |
| Q1 2024 | 11.50% | 11.50% | 15.08% | 10.80% | 1.98% |
| Q2 2024 | 11.52% | 11.52% | 14.93% | 10.89% | 1.94% |
| Q3 2024 | 11.66% | 11.66% | 15.06% | 11.28% | 1.95% |
| Q4 2024 | 11.80% | 11.80% | 15.11% | 11.33% | 1.74% |
| Q1 2025 | 11.86% | 11.86% | 15.15% | 11.52% | 1.73% |
| Q2 2025 | 11.18% | 11.18% | 14.43% | 10.73% | 1.84% |
| Q3 2025 | 11.34% | 11.34% | 14.56% | 10.66% | 1.94% |
| Q4 2025 | 11.26% | 11.26% | 14.47% | 10.54% | 1.83% |
| Q1 2026 | 10.87% | 10.87% | 13.98% | 10.37% | 1.64% |
| Q2 2026 | 11.06% | 11.06% | 13.74% | 10.55% | 1.74% |
Preferred Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Preferred 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 Preferred Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33539) · FFIEC NIC profile (RSSD 1918344)