Monterey, CA · Cert 22460 · PCB Financial Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Salinas, CA · 2026 SOD (annual) · 2.0% share · #9 of 13 inst. · $0.2B of $11.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.74% | -1.97% | -1.91% | -1.66% | -1.41% | 0.05% | -0.96% | +95 bps | |
| Return on Equity | -1.78% | -9.58% | -15.84% | -15.94% | -13.78% | -11.91% | 0.42% | -8.59% | +735 bps | |
| Net Interest Margin | 0.40% | 1.09% | 2.91% | 3.06% | 3.13% | 3.07% | 3.48% | 3.50% | +44 bps | |
| Efficiency Ratio | 124.68% | 129.09% | 148.08% | 144.27% | 135.83% | 125.69% | 91.37% | 117.88% | -2,638 bps | |
| Non-Interest Burden | 0.49% | 1.43% | 4.50% | 4.58% | 4.36% | 3.99% | 3.24% | 4.21% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.90% | 13.96% | 23.58% | 26.00% | 11.19% | 24.86% | 22.17% | 22.32% | -367 bps | |
| Loan Growth (YoY) | 9.35% | 26.68% | 50.27% | 62.75% | 70.35% | 76.61% | 49.14% | 45.10% | -1,765 bps | |
| Deposit Growth (YoY) | -4.21% | 3.09% | 13.51% | 17.35% | 16.78% | 20.95% | 15.98% | 20.34% | +299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.88% | 1.54% | 1.22% | 1.22% | 0.00% | 0.00% | 0.01% | 0.24% | -98 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 16.13% | 7.31% | 4.45% | 2.69% | -0.01% | 0.03% | -729 bps | |
| Allowance / Loans | 2.22% | 5.88% | 1.13% | 1.20% | 1.18% | 1.19% | 1.24% | 1.20% | 0 bps | |
| Allowance Coverage of NPLs | 0.4x | 3.8x | 0.9x | 1.0x | n/a | n/a | 98.7x | 4.9x | +4.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.81% | 10.25% | 10.64% | 10.00% | 10.35% | 9.91% | 9.47% | 8.38% | -162 bps | |
| Total Risk-Based Capital | 12.81% | 10.25% | 10.64% | 10.00% | 10.35% | 9.91% | 9.47% | 8.38% | -162 bps | |
| Equity / Assets | 14.93% | 12.83% | 12.10% | 11.11% | 12.13% | 11.34% | 11.17% | 10.91% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.60% | 49.69% | 53.45% | 57.63% | 60.68% | 72.55% | 68.73% | 69.49% | +1,186 bps | |
| Liquid Assets / Assets | 16.10% | 10.53% | 11.12% | 8.38% | 7.83% | 5.33% | 10.32% | 7.40% | -98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 382% | 479% | 455% | n/a | n/a | |