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Pacific Coast Bankers' Bank

$1B-$10B Specialty: Commercial CA FDIC cert 34252

Walnut Creek, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +48.6% year over year ($653.0M on the books).
  • Delinquency rate 0.53%.
  • Return on assets 0.67%.
  • Efficiency ratio 81.03% vs a 59.73% peer average.
  • Loan-to-deposit ratio 80.88% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Pacific Coast Bankers' Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 35.6% in tier
  • + Non-Interest-Bearing Deposit Share 33.24% above tier average
  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 23.3% in tier
  • - Liquidity Overhang: Bottom 26.7% in tier
  • - ROA 0.72% below tier average
  • - Net Interest Margin 0.79% below tier average
Get updates when Pacific Coast Bankers' Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $1.2B
-2.8% YoY +11.3% QoQ
-$1.6B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $528.1M
+22.6% YoY +4.8% QoQ
-$1.4B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 3.1% in tier
Total Deposits ? $653.0M
+48.6% YoY +16.7% QoQ
-$1.7B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 0.6% in tier
Return on Assets ? 0.67%
-10.7% YoY +8.7% QoQ
-0.72% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 12.5% in tier
Net Interest Margin ? 3.08%
+12.8% YoY -1.0% QoQ
-0.79% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 81.03%
+4.0% YoY -1.5% QoQ
+21.30% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 6.1% in tier
Delinquency Rate ? 0.53%
-4.6% QoQ
-0.34% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 80.88%
-17.5% YoY -10.2% QoQ
-4.16% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 54.51%
-30.8% YoY -8.4% QoQ
+33.24% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 1.2% in tier
Nonperforming Asset Ratio ? 0.23%
-10.2% QoQ
-0.44% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 22.98%
-13.7% YoY -3.3% QoQ
+8.14% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 5.3% in tier
Non-Interest Income / Assets ? 1.42%
-0.3% YoY +80.8% QoQ
+0.89% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Top 4.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 54.5%
-24.3pp YoY
-5.0pp QoQ
 +33.1pp 21.4% 25.5% 22.2% 99%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.5pp 9.5% 11.0% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 28.5%
-3.2pp YoY
+2.0pp QoQ
 +14.5pp 14.0% 11.8% 12.5% 90%
CRE 68.9%
-2.0pp QoQ
 +18.9pp 50.0% 67.5% 41.4% 86%
1-4 Family 1.4%
+1.3pp YoY
-0.1pp QoQ
 -25.1pp 26.4% 16.5% 31.3% 2%
Consumer n/a n/a 4.7% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 23.0%
-3.6pp YoY
-0.8pp QoQ
 +7.4pp 15.6% 23.7% 19.7% 94%
Leverage Ratio 11.3%
-2.0pp YoY
-1.8pp QoQ
 0.0pp 11.3% 14.5% 12.6% 67%
Total Capital Ratio 23.9%
-3.6pp YoY
-0.8pp QoQ
 +7.2pp 16.7% 25.1% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 123
+5 (+4.2%) YoY
+1 (+0.8%) QoQ
 -191 313 337 482 14%
Assets per Employee ($) $9.8M
-6.7% YoY
+10.4% QoQ
 -$664K $10.5M $11.3M $8.8M 64%
Branch Count 1
0 YoY
0 QoQ
 -19 20 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.5%
0.0pp QoQ
 -0.3pp 0.8% 1.4% 1.0% 51%
Allowance Coverage 2.04x
+8.8% QoQ
 -16.67x 18.71x 17.11x 20.23x 50%
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 5.5%
-1.1pp YoY
+0.6pp QoQ
 -7.1pp 12.6% 8.2% 11.6% 9%
Cost of Funds (YTD) 2.0%
0.0pp YoY
+0.2pp QoQ
 +0.1pp 1.9% 1.9% 1.7% 58%
Net Income ($, YTD) $3.8M
-15.7% YoY
— QoQ
 -$15.4M $19.2M $28.5M $40.4M 7%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#80 of 222 • Top 35.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.42%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.67%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Efficiency Drag

risk
#15 of 60 • Bottom 23.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.03%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#47 of 172 • Bottom 26.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.98%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 80.88%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

12
Non-Interest-Bearing Deposit Share
funding
Value: 54.51%
Peer Median: 21.27%
#12 of 885 Top 1.2% in $1B-$10B
40
Non-Interest Income / Assets
revenue_mix
Value: 1.42%
Peer Median: 0.53%
#40 of 885 Top 4.4% in $1B-$10B
48
Tier 1 Capital Ratio
capital
Value: 22.98%
Peer Median: 14.84%
#48 of 885 Top 5.3% in $1B-$10B

Top Weaknesses (6 metrics)

881
Total Deposits
size
Value: $652.96M
Peer Median: $2.32B
#881 of 885 Bottom 0.6% in $1B-$10B
859
Total Loans
size
Value: $528.11M
Peer Median: $1.96B
#859 of 885 Bottom 3.1% in $1B-$10B
832
Efficiency Ratio
profitability
Value: 81.03%
Peer Median: 59.73%
#832 of 885 Bottom 6.1% in $1B-$10B
775
Return on Assets
profitability
Value: 0.67%
Peer Median: 1.39%
#775 of 885 Bottom 12.5% in $1B-$10B
731
Total Assets
size
Value: $1.21B
Peer Median: $2.79B
#731 of 885 Bottom 17.5% in $1B-$10B
730
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.87%
#730 of 885 Bottom 17.6% in $1B-$10B
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