TellerScore

Pacific Coast Bankers' Bank (FDIC certificate #34252) is based in Walnut Creek, California. Its Q2 2026 call report shows $1.2B in total assets and $653.0M in deposits and 1 office.

Based on its Q2 2026 filing, Pacific Coast Bankers' Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 83rd. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is funding & liquidity (29/100; 81% loans-to-deposits, 79% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.35%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity29/100
Loans ÷ deposits and uninsured-deposit share: 80.9% · 78.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (72 → 63), mostly because the capital cushion component weakened by 21 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202470
Q4 202470
Q1 202567
Q2 202572
Q3 202566
Q4 202566
Q1 202666
Q2 202663
Tier 1 leverage ratio
5.00%9.26%13.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.74%
Q3 202412.86%
Q4 202411.52%
Q1 202511.78%
Q2 202513.37%
Q3 202513.53%
Q4 202513.00%
Q1 202613.10%
Q2 202611.35%
Noncurrent loans
0.00%0.40%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.79%
Q4 20250.56%
Q1 20260.55%
Q2 20260.52%
Return on assets
0.60%0.69%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.77%
Q4 20240.78%
Q1 20250.61%
Q2 20250.75%
Q3 20250.60%
Q4 20250.69%
Q1 20260.62%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.2B11.35%0.52%0.67%80.9%
Q1 202666$1.1B13.10%0.55%0.62%90.0%
Q4 202566$1.1B13.00%0.56%0.69%93.3%
Q3 202566$1.2B13.53%0.79%0.60%85.7%
Q2 202572$1.2B13.37%0.00%0.75%98.1%
Q1 202567$1.1B11.78%0.00%0.61%95.6%
Q4 202470$1.3B11.52%0.00%0.78%75.7%
Q3 202470$937.6M12.86%0.00%0.77%104.7%
Q2 202467$1.2B10.74%0.00%0.64%74.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.35%
67th
Total risk-based capital23.91%
95th
Problem loans0.52%
49th
Net charge-offs0.00%
82nd
Return on assets0.67%
13th
Net interest margin3.08%
18th
Efficiency ratio81.0%
6th
Loans to deposits80.9%
65th
Uninsured deposits78.9%
1st
Loan-loss reserves1.07%
40th
Texas ratio1.9%
70th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Provident Savings Bank, F.S.B.Bank Riverside, CA66 out of 100, Moderate$1.2B10.3%0.05%vs
Bank of the OrientBank San Francisco, CA54 out of 100, Below average$1.2B11.7%2.16%vs
Commerce West BankBank Irvine, CA61 out of 100, Moderate$1.2B11.1%1.23%vs
First General BankBank Rowland Heights, CA71 out of 100, Strong$1.2B26.3%1.83%vs
Savings Bank of Mendocino CountyBank Ukiah, CA86 out of 100, Very strong$1.3B17.9%0.36%vs
EverTrust BankBank City Of Industry, CA72 out of 100, Strong$1.1B21.7%0.80%vs

Deposit insurance

Is my money safe at Pacific Coast Bankers' Bank?

Yes. Pacific Coast Bankers' Bank is an FDIC-insured institution (FDIC certificate #34252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 78.9% of deposits ($514.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.91% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Pacific Coast Bankers' Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pacific Coast Bankers' Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34252
RSSD ID
2451240
Primary regulator
FED
Holding company
Pacific Coast Bankers Bancshares
Established
January 2, 1997
Headquarters
1255 Treat Blvd, Walnut Creek, CA 94597
Website
pcbb.com
Employees
123

Quick answers

Pacific Coast Bankers' Bank: common questions

Is Pacific Coast Bankers' Bank FDIC insured?

Yes. Pacific Coast Bankers' Bank is an FDIC-insured institution (FDIC certificate #34252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pacific Coast Bankers' Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pacific Coast Bankers' Bank ever failed?

There is no failure record for FDIC certificate #34252 in the FDIC failed bank list.

How many branches does Pacific Coast Bankers' Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Walnut Creek

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs