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First Commercial Bank (U.S.A)

Alhambra, CA · Cert 34496 · First Financial Holding Co. Ltd.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Commercial Bank (U.S.A)

Alhambra, CA · Cert 34496 · First Financial Holding Co. Ltd.

State charter, non-member · FDIC · 8 branches

Q2 2026

$849.9MAssets
$732.1MLoans
$646.8MDeposits
$195.8MEquity
Loan mix
93%RE $616.1M7%C&I $45.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $578.9M10%Noninterest $67.8MQ2 2025Q2 2026

NIM

6.78%Q2 ’246.10%Q2 ’255.86%Q2 ’26-6%0%

Non-interest income vs. expense

1.73%Q2 ’241.96%Q2 ’251.97%Q2 ’26+14%+0%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #61 of 107 inst. · $0.4B of $667.8B

0.1% Los Angeles
0.1% Santa Clara
0.0% Orange
0.1% Alameda

Executive Summary

  • Earnings: ROA of 1.10%, up 3 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.05% of loans (+79 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.27%, up 30 bps from a year ago.
  • Funding: loans stand at 113.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.51%0 bps YoY

Efficiency Ratio (YTD, annualized)

55.40%+24 bps YoY

Tier 1 Leverage Ratio

23.27%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.07%1.02%1.23%1.10%+3 bps
Return on Equity4.81%4.79%4.53%5.47%4.85%+4 bps
Net Interest Margin3.51%3.49%3.50%3.58%3.51%0 bps
Efficiency Ratio55.15%54.63%55.10%52.82%55.40%+24 bps
Non-Interest Burden1.92%1.90%1.92%1.86%1.93%+1 bps
Growth
Asset Growth (YoY)-5.55%-4.18%-3.52%6.27%4.23%+979 bps
Loan Growth (YoY)-6.76%1.97%3.88%5.93%6.43%+1,319 bps
Deposit Growth (YoY)0.39%1.50%-0.24%6.94%4.21%+381 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.24%0.24%0.10%1.05%+79 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.48%1.46%1.52%1.49%1.47%-1 bps
Allowance Coverage of NPLs5.9x6.0x6.3x14.5x1.4x-4.5x
Capital
Tier 1 Leverage Ratio22.97%22.85%23.12%22.32%23.27%+30 bps
Total Risk-Based Capital32.22%31.39%30.93%30.71%30.44%-178 bps
Equity / Assets22.93%23.07%22.86%22.21%23.04%+10 bps
Liquidity & Funding
Loans / Deposits110.83%115.35%112.19%108.42%113.20%+237 bps
Liquid Assets / Assets10.87%6.90%9.23%11.77%8.70%-217 bps
CRE / Total Capitaln/a194.16%195.99%196.97%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Commercial Bank (U.S.A)

Alhambra, CA · Cert 34496 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · First Financial Holding Co. Ltd.

State charter, non-member · FDIC · 8 branches

Q2 2026

$849.9MAssets
$732.1MLoans
$646.8MDeposits
$195.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: nonperforming loans / loans trails 70% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 20 of 27).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.10%

Rank 10 of 28

Net Interest Margin

3.51%

Rank 18 of 28

Efficiency Ratio

55.40%

Rank 7 of 28

Equity / Assets

23.04%

Rank 4 of 28

Non-interest income vs. expense

$0.4M$16.6MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 79% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 55.40%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.39%0.81%1.45%Beats 64%10 / 28
Return on Equity4.79%2.58%5.09%9.10%Beats 46%15 / 28
Net Interest Margin3.51%3.22%3.68%4.12%Beats 36%18 / 28
Efficiency Ratio55.40%56.77%70.25%85.37%Beats 79%7 / 28
Asset Quality
Nonperforming Loans / Loans1.05%n/a0.26%1.61%Beats 30%20 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio29.19%13.70%16.46%19.75%Beats 86%4 / 28
Total Risk-Based Capital Ratio30.44%14.96%17.60%20.63%Beats 86%4 / 28
Equity / Assets23.04%11.97%15.41%17.42%Beats 86%4 / 28
Liquidity & Funding
Loans / Deposits113.20%84.00%97.95%102.47%93rd pctl2 / 28
Loans / Assets86.14%69.18%76.59%81.19%96th pctl1 / 28
Brokered Deposits / Depositsn/aNot reported for this institution