Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (6.4 on a scale of 0 to 10) and a capital leverage ratio of 8.4.
Asset Mix:
Comm re (36%), securities (27%), home mtgs (8%), cash (8%), comm loans (4%), other (18%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
PCB Financial, Inc.
Investment Rating
--
Address
601 Munras Avenue
Monterey, CA 93940
Monterey, CA 93940
Phone Number
(831) 649-4600
Year Founded
1977
FDIC Number
Largest Affiliates
There are no affiliate to display.