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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 75thStandingRank8-Qtr TrendPeer 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