Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #34252 · Walnut Creek, California · Est. 1997
Pacific Coast Bankers' Bank - FDIC Bank Health Profile
A community-scale look at Pacific Coast Bankers' Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- B
- Health grade · Good
- 0.69%
- Return on assets
- 23.9%
- Tier 1 capital
Data updated July 2026
The verdict
Pacific Coast Bankers' Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 23.87% Tier 1, 0.69% ROA, 81% efficiency ratio.
- #932
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 23.87%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Pacific Coast Bankers' Bank's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pacific Coast Bankers' Bank's composite health score
Tier 1 Capital Ratio (23.87%) 40/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (1.86%) 20/20
Efficiency Ratio (81.11%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$517M
Customer-funded liabilities
Net Loans
$482M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pacific Coast Bankers' Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pacific Coast Bankers' Bank's score of 74/100 falls in the highlighted band.
Pacific Coast Bankers' Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pacific Coast Bankers' Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.87%
Texas Ratio
1.86%
Equity Capital
$141M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
5.87%
Efficiency Ratio
81.11%
What the numbers say about Pacific Coast Bankers' Bank
Pacific Coast Bankers' Bank is an FDIC-insured institution (Certificate #34252) headquartered in Walnut Creek, California, established in 1997. It holds $1.1B in total assets - 932nd of 4,313 FDIC-insured banks, $517M in customer deposits, and $482M in net loans. Capital-wise, the Tier 1 ratio sits at 23.87%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.86%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pacific Coast Bankers' Bank sits 59th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$47M
Interest Income
$36M
Non-Interest Income
$52M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pacific Coast Bankers' Bank reports a Texas Ratio of 1.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pacific Coast Bankers' Bank (FDIC Cert #34252) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Pacific Coast Bankers' Bank's health grade?▼
Pacific Coast Bankers' Bank receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Pacific Coast Bankers' Bank?▼
Pacific Coast Bankers' Bank holds $1.1B in total assets and $517M in deposits, ranking 932nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Walnut Creek, California.
Is my money safe at Pacific Coast Bankers' Bank?▼
Yes, deposits at Pacific Coast Bankers' Bank (Certificate #34252) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pacific Coast Bankers' Bank's Tier 1 Capital Ratio?▼
Pacific Coast Bankers' Bank has a Tier 1 Capital Ratio of 23.87%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pacific Coast Bankers' Bank?▼
Pacific Coast Bankers' Bank has a Texas Ratio of 1.86%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pacific Coast Bankers' Bank?▼
Pacific Coast Bankers' Bank has an Efficiency Ratio of 81.11%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pacific Coast Bankers' Bank's profile as a depositor or analyst.
- Pacific Coast Bankers' Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pacific Coast Bankers' Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.