First Pacific Bank
Total assets
$514.4M
▲ +7.7% YoY
Deposits
$420.1M
▲ +11.1% YoY
Loans
$349.7M
▲ +13.3% YoY
Offices
5
FIRST PACIFIC BCORP
ROA (annualized)
0.24%
peers 1.28%
ROE (annualized)
2.64%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Pacific Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +11.1% | +4.3% | +6.8 pts |
| Loan growth (YoY) | +13.3% | +5.3% | +7.9 pts |
| ROA | 0.24% | 1.28% | -1.0 pts |
| ROE | 2.6% | 12.4% | -9.8 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST PACIFIC BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 16011 Whittier Blvd, Whittier, CA, 90603
- County
- Los Angeles
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 5
- FDIC cert #
- 58218
- RSSD ID
- 3470930
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $514.4M | $420.1M | $349.7M | $45.5M | $596K | 0.24% | 3.65% | 0.21% |
| Q1 2026 | $489.8M | $409.8M | $327.9M | $45.2M | $510K | 0.42% | 3.67% | 0.31% |
| Q4 2025 | $489.1M | $406.2M | $316.7M | $44.6M | $2.1M | 0.44% | 3.53% | 0.25% |
| Q3 2025 | $485.8M | $390.1M | $316.8M | $40.5M | $1.5M | 0.42% | 3.51% | 0.24% |
| Q2 2025 | $477.6M | $378.2M | $308.7M | $39.7M | $855K | 0.38% | 3.46% | 0.21% |
| Q1 2025 | $456.1M | $390.2M | $290.9M | $39.0M | $395K | 0.36% | 3.37% | 0.19% |
| Q4 2024 | $432.9M | $351.3M | $274.2M | $38.4M | $1.1M | 0.26% | 3.43% | 0.16% |
| Q3 2024 | $433.6M | $342.4M | $264.8M | $37.8M | $630K | 0.19% | 3.41% | 0.23% |
Loan mix (Q2 2026): real estate $279.0M · commercial $68.3M · consumer $299K · securities $95.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 12.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.89% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 61.2% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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