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Pacific Coast Bankers' Bank
Walnut Creek, CA · FDIC Certificate #34252 · Chartered 01/0
Total assets
$1.21B
Total deposits
$652.96M
Total equity
$142.00M
Net loans
$528.11M
Branches (offices)
1
Net income (YTD)
$3.83M
Rank: #890 of 4,213 U.S. banks by assets · #56 of 115 in California. Assets changed -2.8% and deposits 48.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.67% |
| Return on equity | 5.45% |
| Net interest margin (YTD) | 3.08% |
| Equity to assets | 11.76% |
| Tier 1 leverage ratio | 11.35% |
| Uninsured deposits (share of deposits) | 78.9% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 70.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $371.21M | 70.3% | |
| Commercial & industrial | $150.37M | 28.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $5.33M | 1.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.41B | $831.13M | $1.65M | $131.07M |
| Jun 2023 | $1.23B | $458.86M | $4.18M | $133.79M |
| Jun 2024 | $1.24B | $517.98M | $3.75M | $135.42M |
| Jun 2025 | $1.24B | $439.35M | $4.55M | $139.45M |
| Jun 2026 | $1.21B | $652.96M | $3.83M | $142.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $652.96M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $652.96M.
Similar-sized banks
Provident Savings Bank, F.S.B. ($1.21B) · Dallas Capital Bank, National Association ($1.21B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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