1st Capital Bank
Monterey, CA · Cert 58485 · Peer group: banks under $1B in assets (n=553-600)
FDIC · 7 branches
Q3 2024
$984.3MAssets
$639.1MLoans
$893.5MDeposits
$82.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of banks under $1B in assets (rank 137 of 553).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 522 of 553).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.08%
Rank 531 of 600
Net Interest Margin
3.08%
Rank 332 of 599
Efficiency Ratio
97.81%
Rank 539 of 599
Equity / Assets
8.37%
Rank 453 of 599
Non-interest income vs. expense
Unfavorable gap of $31.6M · efficiency ratio beats 10% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.46% | 0.79% | 1.24% | Beats 12% | 531 / 600 | |
| Return on Equity | 0.92% | 4.80% | 8.06% | 11.58% | Beats 12% | 527 / 599 | |
| Net Interest Margin | 3.08% | 2.69% | 3.18% | 3.78% | Beats 45% | 332 / 599 | |
| Efficiency Ratio | 97.81% | 60.70% | 71.81% | 83.57% | Beats 10% | 539 / 599 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.07% | 0.33% | 0.86% | Beats 75% | 137 / 553 | |
| Net Charge-Offs / Loans | 0.43% | 0.00% | 0.02% | 0.08% | Beats 6% | 522 / 553 | |
| Capital |
| Tier 1 Capital Ratio | 10.23% | 11.16% | 13.46% | 17.80% | Beats 12% | 526 / 599 | |
| Total Risk-Based Capital Ratio | 10.23% | 11.63% | 14.22% | 18.75% | Beats 10% | 539 / 599 | |
| Equity / Assets | 8.37% | 8.41% | 10.03% | 12.90% | Beats 24% | 453 / 599 | |
| Liquidity & Funding |
| Loans / Deposits | 71.53% | 64.78% | 79.25% | 91.89% | 38th pctl | 350 / 562 | |
| Loans / Assets | 64.93% | 56.05% | 67.49% | 76.84% | 44th pctl | 312 / 553 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |