PCB Bank: how it compares with its peers
Against 31 CA banks with half to twice its assets, PCB Bank's strongest measure in Q2 2026 is assets per employee ($12.7M vs. a $11.0M peer median). Its weakest relative measure is net interest margin (3.35% vs. 3.91%).
| Measure | PCB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.20% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.35% | 3.91% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.07% | 53.03% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.7M | $11.0M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.86% | 84.21% | Context |
What it means for lending operations
Its efficiency ratio of 48.07% is better than the 53.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of the Sierra Porterville, CA · $3.72B
- Exchange Bank Santa Rosa, CA · $3.19B
- Bank of Marin Novato, CA · $3.86B
- Commercial Bank of California Irvine, CA · $3.98B
- West Coast Community Bank Santa Cruz, CA · $2.94B
Questions about PCB Bank
How big is PCB Bank?
PCB Bank, established in 2003, is headquartered in Los Angeles, CA. It reported $3.47B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is PCB Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.20% median for 31 CA banks with half to twice its assets, ahead of 55% of them.
What is PCB Bank's efficiency ratio?
48.07% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 53.03%, and lower is better.
Is PCB Bank growing its loans?
Net loans grew 4.7% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.