Pacific Coast Bankers' Bank
Total assets
$1.21B
▼ -2.8% YoY
Deposits
$653.0M
▲ +48.6% YoY
Loans
$528.1M
▲ +22.6% YoY
Offices
1
PACIFIC COAST BANKERS BANCSHARES
ROA (annualized)
0.67%
peers 1.26%
ROE (annualized)
5.45%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +5.5% | -8.3 pts |
| Deposit growth (YoY) | +48.6% | +5.1% | +43.6 pts |
| Loan growth (YoY) | +22.6% | +5.9% | +16.6 pts |
| ROA | 0.67% | 1.26% | -0.6 pts |
| ROE | 5.5% | 12.2% | -6.7 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FED
- Holding company
- PACIFIC COAST BANKERS BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 1255 Treat Blvd, Walnut Creek, CA, 94597
- County
- Contra Costa
- Metro area
- San Francisco-Oakland-Berkeley, CA
- Offices
- 1
- FDIC cert #
- 34252
- RSSD ID
- 2451240
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $653.0M | $528.1M | $142.0M | $3.8M | 0.67% | 3.08% | 0.23% |
| Q1 2026 | $1.08B | $559.8M | $504.0M | $139.7M | $1.7M | 0.62% | 3.11% | 0.26% |
| Q4 2025 | $1.14B | $516.7M | $481.9M | $140.5M | $8.2M | 0.69% | 2.83% | 0.24% |
| Q3 2025 | $1.16B | $541.4M | $464.1M | $139.1M | $5.4M | 0.60% | 2.79% | 0.32% |
| Q2 2025 | $1.24B | $439.3M | $430.9M | $139.4M | $4.5M | 0.75% | 2.73% | 0.00% |
| Q1 2025 | $1.14B | $454.0M | $433.9M | $138.0M | $1.8M | 0.61% | 2.80% | 0.00% |
| Q4 2024 | $1.25B | $534.8M | $404.7M | $138.1M | $8.9M | 0.78% | 2.97% | 0.00% |
| Q3 2024 | $937.6M | $385.6M | $403.6M | $137.3M | $6.4M | 0.77% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $371.2M · commercial $150.4M · consumer $0 · securities $120.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.70% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 59.0% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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