West Coast Community 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 4.7% from Q1 2026 to Q2 2026, ending at -$5.7M against -$5.5M. It was the largest change among the key lines on this page. West Coast Community Bank ranks 56th of 74 California banks on CET1 ratio, in the lower half at 13.15% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; West Coast Community Bank reported 13.15% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 12.05% |
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 | $340.4M |
| Tier 1 capital | $340.4M |
| Total risk-based capital | $372.8M |
| Total equity capital | $396.6M |
| Risk-weighted assets | $2.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.47% |
| Tangible equity to tangible assets | 11.61% |
| Equity capital to average assets | 13.74% |
| Internal capital growth rate | 1.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $223.6M |
| Retained earnings | $183.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| 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 | 13.52% | 13.52% | 14.78% | 11.62% | $1.51B |
| Q4 2023 | 13.69% | 13.69% | 14.95% | 12.07% | $1.55B |
| Q1 2024 | 14.58% | 14.58% | 15.84% | 12.66% | $1.51B |
| Q2 2024 | 14.93% | 14.93% | 16.18% | 13.36% | $1.52B |
| Q3 2024 | 15.34% | 15.34% | 16.60% | 13.61% | $1.53B |
| Q4 2024 | 12.74% | 12.74% | 13.99% | 10.94% | $2.27B |
| Q1 2025 | 12.99% | 12.99% | 14.24% | 11.54% | $2.31B |
| Q2 2025 | 13.19% | 13.19% | 14.44% | 11.95% | $2.36B |
| Q3 2025 | 13.34% | 13.34% | 14.60% | 11.74% | $2.39B |
| Q4 2025 | 13.05% | 13.05% | 14.31% | 11.32% | $2.47B |
| Q1 2026 | 13.34% | 13.34% | 14.59% | 11.98% | $2.53B |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 12.05% | $2.59B |
West Coast Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock West Coast Community 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 West Coast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57591) · FFIEC NIC profile (RSSD 3235410)