# PACIFIC COAST BANKERS BANK
WALNUT CREEK, CA · FDIC certificate 34252 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.21B | |
| Deposits | $653.0M | |
| Loans and leases | $533.8M | |
| Total equity | $142.0M | |
| Loans / deposits | 80.88% (p35 of band) | 87.10% |
| Liquid assets / assets | 42.82% (p92 of band) | |
| Uninsured deposits / deposits | 78.86% (p99 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.31% (p38 of band) | |
| FHLB advances / assets | 3.31% | |
| Tier 1 leverage | 11.35% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | -3.75% (p70 of band) | -7.75% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 0.67% (p14 of band) | 1.26% |
| Net interest margin | 3.08% (p18 of band) | 3.70% |
| Efficiency ratio | 81.03% (p94 of band) | |
| Noncurrent loans | 0.52% (p51 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 203.75% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 3.75% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $12.7M (9% of equity) (p87 of band) | |
| Deposits YoY | 48.6% | |
| Employees | 123 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | NIM <2.5% | capital falling |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | NIM <2.5%, uninsured deposits leaving |
| 2013-03 | 5 | NIM <2.5%, noncurrent p90, deposits shrinking, assets shrinking | capital falling |
| 2013-06 | 3 |  | deposits shrinking, assets shrinking |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 |  | deposits shrinking |
| 2014-06 | 2 |  | noncurrent p90, assets shrinking |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 | uninsured deposits leaving | reserve under noncurrent, NIM <2.5% |
| 2015-09 | 2 | NIM <2.5% | uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 | wholesale funding >15% | capital falling |
| 2017-03 | 4 | deposits shrinking, assets shrinking |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | capital falling | deposits shrinking |
| 2017-12 | 2 |  | wholesale funding >15%, assets shrinking |
| 2018-03 | 3 | uninsured deposits >50%, wholesale funding >15% | capital falling |
| 2018-06 | 1 |  | NIM <2.5%, wholesale funding >15% |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2019-03 | 1 | uninsured deposits >50% | deposits shrinking, assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 5 | capital falling, assets shrinking |  |
| 2021-09 | 3 |  | capital falling, assets shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | capital falling, deposits shrinking |  |
| 2022-06 | 6 | uninsured deposits leaving |  |
| 2022-09 | 5 |  | capital falling |
| 2022-12 | 6 | assets shrinking |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 5 |  | expense ratio p90 |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 3 |  | NIM <2.5%, assets shrinking, capital falling |
| 2024-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 5 | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 1 |  | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2025-09 | 2 | expense ratio p90 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2025-12 | 3 | assets shrinking |  |
| 2026-03 | 2 |  | assets shrinking |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-13 [Best Banks to Work For 2024 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYjVyd28wMVBJWUdiREk2VFVnSjJQajhjc1liZjlLT0Z0eXdjak5SLTFHbEU1eWNQZ1NOek11M0RWd2tXVkJQRDJzWWdYNEFqZWZCcEM1eEozX1hFWUxYdXB6bk1SNU1mWGtTSEZXazU1amkzY3ZNTHYxSFdoWkFmX0U3eGtkWVRiQ1FrYTdXendhNl92TlE?oc=5) · American Banker
- 2013-06-12 [CenterState Bank Appoints Chris Nichols as Chief Strategy Officer - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxNRUZuSFVHenNjcnA1U0wxUVlISTgyX2ZXNmpGZWVNSHVWRWJvak5jenNmMWJqX3RaSkZZVzZsdDg3M0lvel9zdkNjRzk3eGxiRVlVR1RlUVpfSjJXZ2ZZYWNwM3FQSk0zNWtpOXVkWXJnODY5SS02c3BPVmdwWV96dkRtQURKazlrVDNQYU1hSWEwQW5GZFVlRWJHSUJ5MDVPdFpvSVZkZkVyT3ZRa1VoZHpQc3pVaUxGby1qR1Jn?oc=5) · PR Newswire
- 2015-11-02 [PCBB Expands Hedging and Loan Team - PRWeb](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOVEQzUXdJbnhWTURkTGljelZJem9JLWFDSlhVS2Jsckp5aWZadjFhaFlfUVVQT0ZRVm8yQVVlMXhFTVR1a0t3bFcwSnpEeGMzR0c3SWkxcmw3RGlrTVRiazdzRElJSG1Jb2x1Zk1wRjUwOGtEWXhVQ1RxYkNtc1VxcThCbldKZERUU0tN?oc=5) · PRWeb
- 2020-08-27 [Real Deals: $9.3 million Arvest loan backs ‘District’ office building in Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWmpzX0k5MnluN3ZKUld2MXBHTVVlOWpBQ0V6NDkyWmd1MmlEcmNnYkdNSDJFb2ZNSzctTkFoNlJwWDJlQjlRbHFGcmlRMEw1bjFhLW5zd0VEVy1hdGUyb1JkajR3MmdCWXhGU2xWQmJqN1ZFdHhZYk5tWkdxWExuM0tTQzJoUmlhTWItOVE5LUR5Q2hlSEh4LVUtaUJ1NF9ZR3dGaV9GS05NSFV4MEE?oc=5) · Talk Business &amp; Politics
- 2025-10-21 [Zions Bank CEO worries about private credit as he defends bank from concerns about bad loans - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOWkE2SzA0VHBfbXd5eDR3TVFpeFdQRmxiUERNbEw5d1JUWXFxV20wODdES1ZnVUFlNWJjc3BCTHVRYmZ5eUxIZnJnbmlzUEN5b3BiaEJaSzEzREthSnJfXzBSdzd3WHNpc3RwdTZoNjZDZjA0MUNtYWtGLXZ3aW9KQ1dxWjlaTEtNTVhSeW92dkpGVjRBYUM0TUhBM1pPYUxQQmlObmltYkFObEpH?oc=5) · The Business Journals
- 2024-03-19 [March 21 Vallejo/Vacaville Arts and Entertainment Source: Faces and Places - thereporter.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPMDFBeVQ5N2FxZ1c0Yy1PWkYxaVgzdF9vd2ZNYVlMbVlHazBWSEt2WFhSTnhvdHJMMHpvNmZGc0pSMzJGY2k3OWJvYkZPMjAxQ2Z3WkRZMzd0ckw2cUN0TWJSeEl5R0sySHIxanBBbGotWlBJMlJRTWZhTFFITGF6dHJGQldEZlJkTVJqVlA2bnhVVmxQU2FGd19VU0pzb2gxajk4SjFHZERaVHY2S0djRUs5Zw?oc=5) · thereporter.com
- 2020-09-07 [Kum & Go Transaction Checks Out at $5.9M (Real Deals) - Arkansas Business](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc1hZdll1RkNlUlF3clBoSTlDYlN0NjNKZFNxZUI0MW0telR1QjVLc21QaTVsSG8wTkc4NmJUZUdrendZbjk0ZTVuZUFvYjRSajNTa2o1WXJEeDBlTjB2dklKcHJITEw0SDZEOVNjYktmcHgwdHZzQ09wVnhpbWRZaHlORENPdlRNS1QxTjBLeDlDYmc?oc=5) · Arkansas Business
- 2025-10-14 [Wells Fargo layoffs could grow even more than originally expected, executives say - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeWRiT3A3MUI2SWphVXNhazhYQW9pZ0U4UHVGT01NNVBHTTFETmgxQ08xN2N4elc3ak0xMkZzMHBXUk45d0VhdXJKcGlHdm1Zc1JQWTNpdlp6cndOYnpmdjdmaEJtSENCandKYVBuVXBzQVJHeF9Qd3lRWjUyWjlvYWt4Z1NJWEQ5aXdMUTNUUnRNTWpNbWw5eEZiN2pmaHhDQ3V3dUVrU3RNVU8zYWF2RFpR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34252 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "34252", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide