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First Credit Bank

West Hollywood, CA · Cert 24332

State charter, non-member · FDIC · 1 branch

Q2 2026

$515.8MAssets
$409.0MLoans
$265.3MDeposits
$241.3MEquity
Loan mix
99%RE $391.1M1%C&I $4.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $244.9M8%Noninterest $20.4MQ2 2025Q2 2026

NIM

9.34%Q2 ’248.08%Q2 ’257.62%Q2 ’26-11%-2%

Non-interest income vs. expense

0.87%Q2 ’241.16%Q2 ’251.47%Q2 ’26+59%+27%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #79 of 107 inst. · $0.3B of $667.8B

Executive Summary

  • Earnings: ROA of 3.61%, down 35 bps year over year; NIM at 6.04%.
  • Asset quality: problem loans at 3.33% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 47.61%, up 345 bps from a year ago.
  • Funding: loans stand at 154.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.61%-35 bps YoY

Net Interest Margin (YTD, annualized)

6.04%-11 bps YoY

Efficiency Ratio (YTD, annualized)

24.19%+548 bps YoY

Tier 1 Leverage Ratio

47.61%+345 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.95%4.54%4.74%3.02%3.61%-35 bps
Return on Equity9.05%10.24%10.57%6.41%7.68%-137 bps
Net Interest Margin6.15%6.44%6.45%5.95%6.04%-11 bps
Efficiency Ratio18.71%19.16%18.78%20.86%24.19%+548 bps
Non-Interest Burden1.13%1.21%1.18%1.22%1.44%+31 bps
Growth
Asset Growth (YoY)-6.48%-6.81%-6.32%-5.38%-1.98%+450 bps
Loan Growth (YoY)-5.04%-4.86%-5.91%-4.79%-4.77%+27 bps
Deposit Growth (YoY)-12.27%-13.60%-13.51%-11.48%-6.04%+623 bps
Asset Quality
Nonperforming Loans / Loans3.27%3.51%3.56%3.50%3.33%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.28%3.17%2.63%2.72%2.47%-81 bps
Allowance Coverage of NPLs1.0x0.9x0.7x0.8x0.7x-0.3x
Capital
Tier 1 Leverage Ratio44.16%46.00%45.71%47.97%47.61%+345 bps
Total Risk-Based Capital45.45%50.92%50.33%53.91%49.05%+361 bps
Equity / Assets44.58%46.44%46.87%47.33%46.79%+221 bps
Liquidity & Funding
Loans / Deposits152.09%146.14%149.90%152.56%154.15%+206 bps
Liquid Assets / Assets11.48%17.18%13.41%13.09%11.76%+28 bps
CRE / Total Capitaln/a142.93%145.45%144.74%n/an/a