PackageTrendsPeer
Letter portraitLegal landscape

First Pacific Bank

Whittier, CA · Cert 58218 · First Pacific Bcorp

State charter, Fed member · FED · 5 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

25

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 Pacific Bank

Whittier, CA · Cert 58218 · First Pacific Bcorp

State charter, Fed member · FED · 5 branches

Q2 2026

$514.4MAssets
$352.9MLoans
$420.1MDeposits
$45.5MEquity
Loan mix
80%RE $262.2M20%C&I $63.9M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $274.6M35%Noninterest $145.5MQ2 2025Q2 2026

NIM

5.29%Q2 ’245.17%Q2 ’255.16%Q2 ’26+4%+5%

Non-interest income vs. expense

3.19%Q2 ’242.93%Q2 ’253.11%Q2 ’26-6%+6%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #74 of 107 inst. · $0.3B of $667.8B

0.1% Los Angeles
0.1% San Diego
0.0% Orange
0.0% San Bernardino

Executive Summary

  • Earnings: ROA of 0.24%, down 14 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.31% of loans (-2 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 9.25%, up 41 bps from a year ago.
  • Funding: loans stand at 84.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+18 bps YoY

Efficiency Ratio (YTD, annualized)

85.37%+87 bps YoY

Tier 1 Leverage Ratio

9.25%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.42%0.44%0.42%0.24%-14 bps
Return on Equity4.38%4.99%5.07%4.54%2.64%-174 bps
Net Interest Margin3.36%3.37%3.38%3.63%3.54%+18 bps
Efficiency Ratio84.51%82.74%82.78%83.65%85.37%+87 bps
Non-Interest Burden2.81%2.76%2.77%3.01%3.00%+18 bps
Growth
Asset Growth (YoY)10.97%12.03%13.00%7.39%7.71%-327 bps
Loan Growth (YoY)15.51%19.40%15.32%12.57%13.15%-236 bps
Deposit Growth (YoY)6.76%13.93%15.63%5.04%11.08%+432 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.36%0.38%0.47%0.31%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.22%+22 bps
Allowance / Loans1.02%0.98%0.98%0.94%0.92%-10 bps
Allowance Coverage of NPLs3.1x2.7x2.6x2.0x3.0x-0.2x
Capital
Tier 1 Leverage Ratio8.84%8.74%9.53%9.57%9.25%+41 bps
Total Risk-Based Capital12.31%12.16%13.39%13.05%12.61%+29 bps
Equity / Assets8.31%8.34%9.11%9.23%8.84%+54 bps
Liquidity & Funding
Loans / Deposits82.47%82.02%78.74%80.78%84.00%+153 bps
Liquid Assets / Assets20.59%20.02%19.90%19.73%18.56%-203 bps
CRE / Total Capitaln/a437%399%410%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 Pacific Bank

Whittier, CA · Cert 58218 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · First Pacific Bcorp

State charter, Fed member · FED · 5 branches

Q2 2026

$514.4MAssets
$352.9MLoans
$420.1MDeposits
$45.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 48% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 15 of 27).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 27 of 28).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.23%

Rank 23 of 28

Net Interest Margin

3.54%

Rank 17 of 28

Efficiency Ratio

85.37%

Rank 22 of 28

Equity / Assets

8.84%

Rank 27 of 28

Non-interest income vs. expense

$0.6M$15.2MINCOMEEXPENSE
Unfavorable gap of $14.6M · efficiency ratio beats 25% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 85.37%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.39%0.81%1.45%Beats 18%23 / 28
Return on Equity2.62%2.58%5.09%9.10%Beats 29%20 / 28
Net Interest Margin3.54%3.22%3.68%4.12%Beats 39%17 / 28
Efficiency Ratio85.37%56.77%70.25%85.37%Beats 25%22 / 28
Asset Quality
Nonperforming Loans / Loans0.31%n/a0.26%1.61%Beats 48%15 / 27
Net Charge-Offs / Loans0.11%n/an/a0.02%Beats 15%24 / 27
Capital
Tier 1 Capital Ratio11.75%13.70%16.46%19.75%Beats 11%25 / 28
Total Risk-Based Capital Ratio12.61%14.96%17.60%20.63%Beats 11%25 / 28
Equity / Assets8.84%11.97%15.41%17.42%Beats 4%27 / 28
Liquidity & Funding
Loans / Deposits84.00%84.00%97.95%102.47%25th pctl21 / 28
Loans / Assets68.61%69.18%76.59%81.19%21st pctl22 / 28
Brokered Deposits / Depositsn/aNot reported for this institution