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1676 N California Blvd, # 30
Walnut Creek, CA 94596

Pacific Coast Bankers' Bank is headquartered in Walnut Creek and is the 76th largest bank in the state of California. It is also the 1,169th largest bank in the nation. It was established in 1997 and as of March of 2014, it had grown to 72 employees at 1 location. Pacific Coast Bankers' Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pacific Coast Bankers' Bank had $8.35 million in non-current loans and owned real-estate with $76.74 million in equity and loan loss allowances on hand to cover it. This gives Pacific Coast Bankers' Bank a Texas Ratio of 10.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific Coast Bankers' Bank decreased dramatically from 20.32% as of March 31, 2013 to 10.88% as of March 31, 2014, resulting in a positive change of 46.43%.This indicates that the balance sheet and financial strength for Pacific Coast Bankers' Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Coast Bankers' Bank has decreased its total deposits by -$16.79 million, resulting in -3.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Coast Bankers' Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Coast Bankers' Bank has $569.25 million in assets with $76.74 million in equity, resulting in a capitalization level of 13.48%, which is excellent.

Institution Statistics

FDIC Certificate #34252
Year Established1997
Primary RegulatorFED
Assets and Liabilities
Assets$569.25 million
Loans$211.91 million
Deposits$464.00 million
Equity Capital$72.39 million
Loan Loss Allowance$4.35 million
Unbacked Noncurrent Loans$8.35 million
Real Estate Owned$0
Historic Data - March 2013
Assets$618.98 million
Equity Capital$71.13 million
Loan Loss Allowance$4.71 million
Unbacked Noncurrent Loans$8.35 million
Real Estate Owned$1.01 million
Profit Margin - Quarterly
Net Interest Margin2.44%
Return on Assets0.85%
Return on Equity6.57%
Interest Income$2.99 million

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Pacific Coast Bankers' Bank Locations
Pacific Coast Bankers' Bank1676 N. California Blvd., Suite 300Walnut Creek, CA 94596