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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.47% | 0.36% | 0.39% | 0.51% | 0.47% | 0.42% | 0.07% | -33 bps | |
| Return on Equity | 2.71% | 5.35% | 4.08% | 4.68% | 6.19% | 5.42% | 4.54% | 0.76% | -392 bps | |
| Net Interest Margin | 3.34% | 3.40% | 3.31% | 3.52% | 3.58% | 3.52% | 3.63% | 3.59% | +7 bps | |
| Efficiency Ratio | 90.48% | 81.04% | 85.16% | 83.90% | 79.54% | 82.88% | 83.65% | 87.04% | +314 bps | |
| Non-Interest Burden | 3.00% | 2.72% | 2.79% | 2.93% | 2.82% | 2.88% | 3.01% | 3.10% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 3.03% | 3.44% | 10.97% | 12.03% | 13.00% | 7.39% | 7.71% | -327 bps | |
| Loan Growth (YoY) | -2.18% | 0.79% | 7.03% | 15.51% | 19.40% | 15.32% | 12.57% | 13.15% | -236 bps | |
| Deposit Growth (YoY) | 2.83% | 5.19% | 11.43% | 6.76% | 13.93% | 15.63% | 5.04% | 11.08% | +432 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.24% | 0.29% | 0.33% | 0.36% | 0.38% | 0.47% | 0.31% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.42% | +42 bps | |
| Allowance / Loans | 1.16% | 1.15% | 1.08% | 1.02% | 0.98% | 0.98% | 0.94% | 0.92% | -10 bps | |
| Allowance Coverage of NPLs | 3.1x | 4.7x | 3.7x | 3.1x | 2.7x | 2.6x | 2.0x | 3.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.84% | 8.97% | 8.98% | 8.84% | 8.74% | 9.53% | 9.57% | 9.25% | +41 bps | |
| Total Risk-Based Capital | 12.82% | 13.41% | 12.66% | 12.31% | 12.16% | 13.39% | 13.05% | 12.61% | +29 bps | |
| Equity / Assets | 8.71% | 8.88% | 8.55% | 8.31% | 8.34% | 9.11% | 9.23% | 8.84% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.25% | 78.96% | 75.37% | 82.47% | 82.02% | 78.74% | 80.78% | 84.00% | +153 bps | |
| Liquid Assets / Assets | 26.88% | 23.22% | 21.80% | 20.59% | 20.02% | 19.90% | 19.73% | 18.56% | -203 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 437% | 399% | 410% | n/a | n/a | |