PackageTrendsPeer
Letter portraitLegal landscape

Pacific Coast Bankers' Bank

Walnut Creek, CA · Cert 34252 · Pacific Coast Bankers Bancshares

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific Coast Bankers' Bank

Walnut Creek, CA · Cert 34252 · Pacific Coast Bankers Bancshares

State charter, Fed member · FED · 1 branch

Q2 2026

$1.2BAssets
$533.8MLoans
$653.0MDeposits
$142.0MEquity
Loan mix
73%RE $364.5M27%C&I $133.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
45%Interest-bearing $297.0M55%Noninterest $355.9MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.55%Q2 ’253.94%Q2 ’26+26%-9%

Non-interest income vs. expense

3.67%Q2 ’244.68%Q2 ’254.15%Q2 ’26+6%+9%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #34 of 69 inst. · $0.7B of $513.2B

Executive Summary

  • Earnings: ROA of 0.67%, down 8 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.52% of loans (+52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.35%, down 202 bps from a year ago.
  • Funding: loans stand at 81.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-24 bps YoY

Efficiency Ratio (YTD, annualized)

81.03%+309 bps YoY

Tier 1 Leverage Ratio

11.35%-202 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.60%0.69%0.62%0.67%-8 bps
Return on Equity6.57%5.15%5.87%4.89%5.45%-112 bps
Net Interest Margin2.63%2.72%2.61%2.74%2.39%-24 bps
Efficiency Ratio77.94%82.86%81.11%82.24%81.03%+309 bps
Non-Interest Burden1.30%1.66%1.48%1.69%1.42%+11 bps
Growth
Asset Growth (YoY)-0.03%23.99%-9.05%-4.81%-2.79%-277 bps
Loan Growth (YoY)11.28%15.05%19.08%16.31%22.62%+1,135 bps
Deposit Growth (YoY)-15.18%40.42%-3.38%23.30%48.62%+6,380 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.79%0.56%0.55%0.52%+52 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.00%0.98%1.03%1.07%+5 bps
Allowance Coverage of NPLsn/a1.3x1.8x1.9x2.0xn/a
Capital
Tier 1 Leverage Ratio13.37%13.53%13.00%13.10%11.35%-202 bps
Total Risk-Based Capital27.47%25.54%24.69%24.67%23.91%-356 bps
Equity / Assets11.22%11.97%12.34%12.88%11.76%+53 bps
Liquidity & Funding
Loans / Deposits99.09%86.59%94.18%90.97%81.75%-1,733 bps
Liquid Assets / Assets50.39%44.60%40.89%36.67%37.87%-1,251 bps
CRE / Total Capitaln/a238%238%255%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pacific Coast Bankers' Bank

Walnut Creek, CA · Cert 34252 · Peer group: banks $1B-$10B in assets (n=322-328) · Pacific Coast Bankers Bancshares

State charter, Fed member · FED · 1 branch

Q2 2026

$1.2BAssets
$533.8MLoans
$653.0MDeposits
$142.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
  • Widest gap: net interest margin trails 96% of banks $1B-$10B in assets (rank 314 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.63%

Rank 293 of 328

Net Interest Margin

2.39%

Rank 314 of 328

Efficiency Ratio

81.03%

Rank 311 of 328

Equity / Assets

11.76%

Rank 91 of 328

Non-interest income vs. expense

$34.3M$52.1MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 5% of banks $1B-$10B in assets
Bank 81.03%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.91%1.22%1.52%Beats 11%293 / 328
Return on Equity5.40%8.43%11.45%14.43%Beats 9%300 / 328
Net Interest Margin2.39%3.03%3.45%3.83%Beats 4%314 / 328
Efficiency Ratio81.03%51.61%59.56%67.53%Beats 5%311 / 328
Asset Quality
Nonperforming Loans / Loans0.52%0.24%0.51%1.03%Beats 50%163 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio22.98%11.75%13.15%15.47%Beats 93%23 / 328
Total Risk-Based Capital Ratio23.91%12.63%14.15%16.46%Beats 93%23 / 328
Equity / Assets11.76%9.15%10.33%12.01%Beats 72%91 / 328
Liquidity & Funding
Loans / Deposits81.75%76.63%87.92%95.36%36th pctl207 / 323
Loans / Assets44.21%65.18%74.15%79.98%5th pctl310 / 328
Brokered Deposits / Depositsn/aNot reported for this institution