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
Unfavorable gap of $17.8M · efficiency ratio beats 5% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.91% | 1.22% | 1.52% | Beats 11% | 293 / 328 | |
| Return on Equity | 5.40% | 8.43% | 11.45% | 14.43% | Beats 9% | 300 / 328 | |
| Net Interest Margin | 2.39% | 3.03% | 3.45% | 3.83% | Beats 4% | 314 / 328 | |
| Efficiency Ratio | 81.03% | 51.61% | 59.56% | 67.53% | Beats 5% | 311 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.24% | 0.51% | 1.03% | Beats 50% | 163 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 22.98% | 11.75% | 13.15% | 15.47% | Beats 93% | 23 / 328 | |
| Total Risk-Based Capital Ratio | 23.91% | 12.63% | 14.15% | 16.46% | Beats 93% | 23 / 328 | |
| Equity / Assets | 11.76% | 9.15% | 10.33% | 12.01% | Beats 72% | 91 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 81.75% | 76.63% | 87.92% | 95.36% | 36th pctl | 207 / 323 | |
| Loans / Assets | 44.21% | 65.18% | 74.15% | 79.98% | 5th pctl | 310 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |