Pacific Coast Bankers' Bank
Walnut Creek, CA·RSSD 2451240·FDIC 34252·bank:2451240·Risk-based ratios where reported
- #58 of 120Total assets in California
- 1offices
- 123employees
- #1 of 111Deposit growth in California
- Top 4%Fee income vs. peers
- Top 6%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Pacific Coast Bankers' Bank
8 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal1.58%peers 1.94%-36 bps
Pacific Coast Bankers' Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.58% | 1.94% | -36 bps |
| Share of deposits that pay no interest | ||
| 54.5% | 19.5% | +35.0 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter3.02%peers 0.57%+245 bps
Pacific Coast Bankers' Bank's noninterest income relative to average assets was 3.02%, compared with a median of 0.57% among 628 similar banks: higher than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 3.02% | 0.57% | +245 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital11.35%peers 10.54%+0.8 pp
Pacific Coast Bankers' Bank's leverage ratio fell 2.0 percentage points over the past year to 11.35%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.35% | 10.54% | +0.8 pp |
| 12-month change | ||
| -2.0 pp | +0.3 pp | -2.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+22.6%peers +5.7%+16.9 pp
Pacific Coast Bankers' Bank's loans grew 22.6% over the past year to $534 million. The median among 624 similar banks was +5.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +22.6% | +5.7% | +16.9 pp |
| Loans | ||
| $534 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency79.8%peers 60.3%+19.5 pp
Pacific Coast Bankers' Bank's efficiency ratio rose 6.1 percentage points over the past year to 79.8%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 79.8% | 60.3% | +19.5 pp |
| 12-month change | ||
| +6.1 pp | -2.1 pp | +8.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposit costs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposits growing faster than peersFunding
Key facts
- Pacific Coast Bankers' Bank is a bank headquartered in Walnut Creek, California. It reported $1.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $653 million, up 48.6% from a year earlier, and loans totaled $534 million, up 22.6%.
- Its net interest margin was 3.14% and its annualized return on assets was 0.74% for the quarter.
- Its cost of all deposits was 1.58%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Pacific Coast Bankers' Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Pacific Coast Bankers' Bank · Bank
- Federal Reserve RSSD
- 2451240
- FDIC certificate
- 34252
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pacific Coast Bankers' Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.12M | — | |
| $13.21M | — | |
| $5.56M | — | |
| $7.65M | — | |
| $8.63M | — | |
| $13M | — | |
| $459K | — | |
| $414K | — | |
| 0.74% | 0.74%ROAQ · Quarter | |
| 3.14% | 3.13%NIMYQ · Quarter | |
| 79.85% | 79.85%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.