BlastPoint's Banking Scorecard
First Credit Bank
Los Angeles, CA
First Credit Bank has 3 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.38% above tier average
- + Net Interest Margin 2.58% above tier average
- + Efficiency Ratio 44.42% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.1% in tier
- - Deposit Outflow: Bottom 0.8% in tier
- - NIB Deposit Bleed: Bottom 2.0% in tier
- - Liquidity Strain: Bottom 28.2% in tier
- - Capital Constraint: Bottom 96.3% in tier
- - Delinquency Rate 2.71% above tier average
- - Nonperforming Asset Ratio 2.09% above tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$504.7M
-5.4% YoY
+0.8% QoQ
|
+$118.7M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$382.8M
-4.1% YoY
+1.1% QoQ
|
+$127.1M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$257.9M
-11.5% YoY
-0.6% QoQ
|
-$70.1M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
3.65%
-21.1% YoY
-38.1% QoQ
|
+2.38% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 0.8% in tier |
| Net Interest Margin ? |
6.51%
+1.4% YoY
-5.5% QoQ
|
+2.58% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 0.8% in tier |
| Efficiency Ratio ? |
20.86%
-4.2% YoY
+11.1% QoQ
|
-44.42% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 0.2% in tier |
| Delinquency Rate ? |
3.60%
+1.7% YoY
-1.5% QoQ
|
+2.71% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.1% in tier |
| Loan-to-Deposit Ratio ? |
148.42%
+8.3% YoY
+1.7% QoQ
|
+71.78% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.34%
-44.8% YoY
-50.0% QoQ
|
-14.68% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? |
2.73%
+3.0% YoY
-1.3% QoQ
|
+2.09% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
52.65%
+15.6% YoY
+7.3% QoQ
|
+36.82% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 0.8% in tier |
| Non-Interest Income / Assets ? |
0.01%
+34.5% YoY
-78.8% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.5% in tier |
Get Full Access to First Credit Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (5)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.