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Letter portraitLegal landscapeQuarterYTD

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