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First General Bank

Rowland Heights, CA · Cert 58060 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19)

State charter, non-member · FDIC · 5 branches

Q2 2026

$1.2BAssets
$944.2MLoans
$837.8MDeposits
$303.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 17).
  • Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 15 of 17).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.26%

Rank 2 of 19

Net Interest Margin

4.78%

Rank 1 of 19

Efficiency Ratio

31.65%

Rank 3 of 19

Equity / Assets

25.80%

Rank 2 of 19

Non-interest income vs. expense

$1.1M$17.8MINCOMEEXPENSE
Unfavorable gap of $16.7M · efficiency ratio beats 89% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 31.65%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.26%1.10%1.26%1.57%Beats 89%2 / 19
Return on Equity8.77%8.62%11.28%14.70%Beats 26%14 / 19
Net Interest Margin4.78%3.07%3.30%3.62%Beats 95%1 / 19
Efficiency Ratio31.65%33.01%51.12%56.65%Beats 89%3 / 19
Asset Quality
Nonperforming Loans / Loans1.83%0.37%0.80%1.55%Beats 18%15 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%3 / 17
Capital
Tier 1 Capital Ratio26.30%12.10%14.67%23.92%Beats 79%4 / 19
Total Risk-Based Capital Ratio26.30%13.35%14.67%24.05%Beats 79%4 / 19
Equity / Assets25.80%9.84%11.18%14.01%Beats 89%2 / 19
Liquidity & Funding
Loans / Deposits112.71%79.34%95.16%100.04%89th pctl2 / 19
Loans / Assets80.37%69.86%77.55%83.04%58th pctl8 / 19
Brokered Deposits / Depositsn/aNot reported for this institution