BlastPoint's Banking Scorecard

Pacific Coast Bankers' Bank

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

Walnut Creek, CA

884 banks in the $1B-$10B peer group nationally 49 in 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 38.5% in tier
+ Non-Interest-Bearing Deposit Share 38.24% above tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 10.9% in tier
- Efficiency Drag: Bottom 23.0% in tier
- ROA 0.75% below tier average
- Net Interest Margin 0.70% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.1B -4.8% YoY -4.7% QoQ	-$1.7B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Bottom 8.6% in tier
Total Loans ?	$504.0M +16.2% YoY +4.6% QoQ	-$1.5B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Bottom 2.9% in tier
Total Deposits ?	$559.8M +23.3% YoY +8.3% QoQ	-$1.8B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 0.5% in tier
Return on Assets ?	0.62% +0.5% YoY -10.3% QoQ	-0.75%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 13.0% in tier
Net Interest Margin ?	3.11% +11.3% YoY +9.8% QoQ	-0.70%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	82.24% -0.6% YoY +1.4% QoQ	+21.18%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 6.6% in tier
Delinquency Rate ?	0.56% -1.0% QoQ	-0.33%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	90.03% -5.8% YoY -3.5% QoQ	+5.83%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	59.53% -15.8% YoY -9.1% QoQ	+38.24%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 1.0% in tier
Nonperforming Asset Ratio ?	0.26% +8.7% QoQ	-0.42%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	23.76% -10.0% YoY -0.4% QoQ	+8.60%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 4.6% in tier
Non-Interest Income / Assets ?	0.79% +13.6% YoY -75.4% QoQ	+0.53%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Top 3.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#86 of 221 • Top 38.5% 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: 0.79%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.62%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#20 of 174 • Bottom 10.9% 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: 23.76%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.03%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#18 of 74 • Bottom 23.0% in tier

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

Why this signature

Efficiency Ratio: 82.24%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 59.53%

Peer Median: 21.29%

#10 of 884 Top 1.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.79%

Peer Median: 0.26%

#34 of 884 Top 3.7% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 23.76%

Peer Median: 15.16%

#42 of 884 Top 4.6% in $1B-$10B

Top Weaknesses (6 metrics)

881

Total Deposits

size

Value: $559.75M

Peer Median: $2.34B

#881 of 884 Bottom 0.5% in $1B-$10B

859

Total Loans

size

Value: $503.97M

Peer Median: $1.96B

#859 of 884 Bottom 2.9% in $1B-$10B

827

Efficiency Ratio

profitability

Value: 82.24%

Peer Median: 61.06%

#827 of 884 Bottom 6.6% in $1B-$10B

809

Total Assets

size

Value: $1.08B

Peer Median: $2.82B

#809 of 884 Bottom 8.6% in $1B-$10B

770

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.37%

#770 of 884 Bottom 13.0% in $1B-$10B

696

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.82%

#696 of 884 Bottom 21.4% in $1B-$10B