West Coast Community 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: 7.40 percentage points lower than in Q1 2026, at 246.40%. Within California, West Coast Community Bank is 14th of 114 on return on assets, 1.92% as of Q2 2026, above the middle of the field. West Coast Community Bank's return on assets of 1.92% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.15% |
| Tier 1 risk-based capital ratio | 13.15% |
| Total risk-based capital ratio | 14.40% |
| Tier 1 leverage ratio | 12.05% |
| Equity capital to assets | 13.47% |
| Tangible equity to tangible assets | 11.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 5.71% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 246.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 13.98% |
| Net interest margin | 5.18% |
| Efficiency ratio | 39.60% |
| Yield on earning assets | 6.31% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.00% |
| Core deposits to total deposits | 97.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.71% |
| Securities to assets | 13.18% |
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 | 13.52% | 13.52% | 14.78% | 11.62% | 2.06% |
| Q4 2023 | 13.69% | 13.69% | 14.95% | 12.07% | 1.99% |
| Q1 2024 | 14.58% | 14.58% | 15.84% | 12.66% | 2.12% |
| Q2 2024 | 14.93% | 14.93% | 16.18% | 13.36% | 1.94% |
| Q3 2024 | 15.34% | 15.34% | 16.60% | 13.61% | 1.89% |
| Q4 2024 | 12.74% | 12.74% | 13.99% | 10.94% | 0.68% |
| Q1 2025 | 12.99% | 12.99% | 14.24% | 11.54% | 1.79% |
| Q2 2025 | 13.19% | 13.19% | 14.44% | 11.95% | 1.99% |
| Q3 2025 | 13.34% | 13.34% | 14.60% | 11.74% | 1.76% |
| Q4 2025 | 13.05% | 13.05% | 14.31% | 11.32% | 2.02% |
| Q1 2026 | 13.34% | 13.34% | 14.59% | 11.98% | 2.17% |
| Q2 2026 | 13.15% | 13.15% | 14.40% | 12.05% | 1.92% |
West Coast Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Coast Community 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 West Coast Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57591) · FFIEC NIC profile (RSSD 3235410)