United Pacific 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: 68.92 percentage points higher than in Q1 2026, at 1290.77%. Within California, United Pacific Bank is 93rd of 114 on return on assets, 0.45% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, United Pacific Bank reported 0.45% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.39% |
| Equity capital to assets | 16.89% |
| Tangible equity to tangible assets | 16.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.13% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 1290.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 2.62% |
| Net interest margin | 4.20% |
| Efficiency ratio | 84.81% |
| Yield on earning assets | 6.76% |
| Cost of funds | 3.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.53% |
| Core deposits to total deposits | 72.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.08% |
| Securities to assets | 4.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.80% | 0.80% | 5.06% | 0.00% | -0.02% |
| Q4 2023 | 19.06% | 0.85% | 4.68% | 0.00% | -0.03% |
| Q1 2024 | 20.01% | 4.03% | 4.55% | 0.00% | -0.02% |
| Q2 2024 | 20.09% | 0.46% | 4.17% | 0.00% | 0.00% |
| Q3 2024 | 20.14% | 0.91% | 4.73% | 0.00% | 0.00% |
| Q4 2024 | 20.16% | 0.02% | 4.13% | 0.00% | 0.00% |
| Q1 2025 | 19.43% | 0.18% | 3.90% | 0.00% | 0.00% |
| Q2 2025 | 18.45% | 0.50% | 4.00% | 0.00% | 0.00% |
| Q3 2025 | 17.66% | 0.51% | 4.03% | 0.16% | 0.00% |
| Q4 2025 | 17.13% | 0.27% | 3.84% | 0.16% | 0.00% |
| Q1 2026 | 17.30% | 0.35% | 3.96% | 0.15% | 0.00% |
| Q2 2026 | 17.39% | 0.45% | 4.20% | 0.13% | 0.00% |
United Pacific Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Pacific 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 United Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23805) · FFIEC NIC profile (RSSD 609467)