BlastPoint's Banking Scorecard
Pacific Coast Bankers' Bank
Community
Specialty: Commercial
CA
FDIC cert 34252
Walnut Creek, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Pacific Coast Bankers' Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29% in Community
- + Non-Interest-Bearing Deposit Share 44.43% above tier
- + Tier 1 Capital Ratio 13.48% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4% in Community
- - Efficiency Drag: Bottom 10% in Community
- - Liquidity Overhang: Bottom 10% in Community
- - Capital Constraint: Bottom 87% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-9.1% YoY
-2.1% QoQ
|
-$252.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$481.9M
+19.1% YoY
+3.8% QoQ
|
-$493.6M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$516.7M
-3.4% YoY
-4.6% QoQ
|
-$647.9M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.69%
-12.2% YoY
+15.5% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.83%
-4.4% YoY
+1.6% QoQ
|
-0.83% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
81.11%
+2.3% YoY
-2.1% QoQ
|
+18.48% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.56%
-29.8% QoQ
|
-0.07% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
93.26%
+23.2% YoY
+8.8% QoQ
|
+10.20% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
65.48%
-5.0% YoY
-6.9% QoQ
|
+44.43% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.24%
-25.6% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
23.73%
-12.5% YoY
-4.0% QoQ
|
+13.48% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
3.19%
+20.8% YoY
+38.0% QoQ
|
+2.45% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#110 of 371 · Top 29% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.19%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
65.48%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
23.73%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Deposit Outflow
decline
#10 of 248 · Bottom 4% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#16 of 152 · Bottom 10% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.11%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#29 of 268 · Bottom 10% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
23.73%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
93.26%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#41 of 47 · Bottom 87% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
93.26%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
23.73%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 65.48% · Tier avg: 21.05%
98
98th pctile
Non-Interest Income / Assets
Current: 3.19% · Tier avg: 0.74%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.73% · Tier avg: 10.24%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
28
28th pctile
Total Loans
Current: $481.9M · Tier avg: $975.5M
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.26% · Tier avg: 83.06%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
15
15th pctile
Total Deposits
Current: $516.7M · Tier avg: $1.2B
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
9
9th pctile
Efficiency Ratio
Current: 81.11% · Tier avg: 62.63%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 81.11% · Tier avg: 62.63%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
15
15th pctile
Total Deposits
Current: $516.7M · Tier avg: $1.2B
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.26% · Tier avg: 83.06%
28
28th pctile
Total Loans
Current: $481.9M · Tier avg: $975.5M
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.73% · Tier avg: 10.24%
98
98th pctile
Non-Interest Income / Assets
Current: 3.19% · Tier avg: 0.74%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 65.48% · Tier avg: 21.05%