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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