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First Credit Bank

West Hollywood, CA · Cert 24332 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 1 branch

Q2 2026

$515.8MAssets
$409.0MLoans
$265.3MDeposits
$241.3MEquity

Return on Assets

3.55%

Rank 2 of 28

Net Interest Margin

6.04%

Rank 2 of 28

Efficiency Ratio

24.19%

Rank 2 of 28

Equity / Assets

46.79%

Rank 2 of 28

Non-interest income vs. expense

$0.2M$7.4MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 24.19%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets3.55%0.39%0.81%1.45%Beats 93%2 / 28
Net Interest Margin6.04%3.22%3.68%4.12%Beats 93%2 / 28
Nonperforming Loans / Loans3.33%n/a0.26%1.61%Beats 15%24 / 27
Tier 1 Capital Ratio47.79%13.70%16.46%19.75%Beats 93%2 / 28
Equity / Assets46.79%11.97%15.41%17.42%Beats 93%2 / 28
Loans / Assets79.28%69.18%76.59%81.19%64th pctl10 / 28