Whittier, CA · Cert 58218 · First Pacific Bcorp
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #74 of 107 inst. · $0.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.42% | 0.44% | 0.42% | 0.24% | -14 bps | |
| Return on Equity | 4.38% | 4.99% | 5.07% | 4.54% | 2.64% | -174 bps | |
| Net Interest Margin | 3.36% | 3.37% | 3.38% | 3.63% | 3.54% | +18 bps | |
| Efficiency Ratio | 84.51% | 82.74% | 82.78% | 83.65% | 85.37% | +87 bps | |
| Non-Interest Burden | 2.81% | 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 / Loans | 0.33% | 0.36% | 0.38% | 0.47% | 0.31% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.22% | +22 bps | |
| Allowance / Loans | 1.02% | 0.98% | 0.98% | 0.94% | 0.92% | -10 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.7x | 2.6x | 2.0x | 3.0x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.84% | 8.74% | 9.53% | 9.57% | 9.25% | +41 bps | |
| Total Risk-Based Capital | 12.31% | 12.16% | 13.39% | 13.05% | 12.61% | +29 bps | |
| Equity / Assets | 8.31% | 8.34% | 9.11% | 9.23% | 8.84% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.47% | 82.02% | 78.74% | 80.78% | 84.00% | +153 bps | |
| Liquid Assets / Assets | 20.59% | 20.02% | 19.90% | 19.73% | 18.56% | -203 bps | |
| CRE / Total Capital | n/a | 437% | 399% | 410% | n/a | n/a | |