Walnut Creek, CA · Cert 34252 · Pacific Coast Bankers Bancshares
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #34 of 69 inst. · $0.7B of $513.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.90% | 0.61% | 0.91% | 0.27% | 0.98% | 0.62% | 0.74% | -17 bps | |
| Return on Equity | 7.88% | 7.18% | 5.32% | 7.82% | 2.32% | 8.03% | 4.89% | 6.01% | -181 bps | |
| Net Interest Margin | 2.43% | 2.31% | 2.31% | 2.66% | 2.83% | 2.67% | 2.74% | 2.44% | -22 bps | |
| Efficiency Ratio | 76.14% | 79.00% | 82.71% | 73.76% | 92.25% | 76.08% | 82.24% | 79.85% | +609 bps | |
| Non-Interest Burden | 1.05% | 1.24% | 1.45% | 0.98% | 2.33% | 1.20% | 1.69% | 1.39% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -34.64% | 19.80% | -6.19% | -0.03% | 23.99% | -9.05% | -4.81% | -2.79% | -277 bps | |
| Loan Growth (YoY) | 20.32% | 21.50% | 23.49% | 11.28% | 15.05% | 19.08% | 16.31% | 22.62% | +1,135 bps | |
| Deposit Growth (YoY) | -24.79% | 34.97% | -4.64% | -15.18% | 40.42% | -3.38% | 23.30% | 48.62% | +6,380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.79% | 0.56% | 0.55% | 0.52% | +52 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 0.97% | 0.90% | 1.02% | 1.00% | 0.98% | 1.03% | 1.07% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.3x | 1.8x | 1.9x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.86% | 11.52% | 11.78% | 13.37% | 13.53% | 13.00% | 13.10% | 11.35% | -202 bps | |
| Total Risk-Based Capital | 27.55% | 27.88% | 27.15% | 27.47% | 25.54% | 24.69% | 24.67% | 23.91% | -356 bps | |
| Equity / Assets | 14.64% | 11.03% | 12.11% | 11.22% | 11.97% | 12.34% | 12.88% | 11.76% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.68% | 76.41% | 96.44% | 99.09% | 86.59% | 94.18% | 90.97% | 81.75% | -1,733 bps | |
| Liquid Assets / Assets | 34.19% | 45.95% | 42.11% | 50.39% | 44.60% | 40.89% | 36.67% | 37.87% | -1,251 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 238% | 255% | n/a | n/a | |