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First Credit Bank

$100M-$1B Specialty: Commercial CA FDIC cert 24332

Los Angeles, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -6.0% year over year ($265.3M on the books).
  • Delinquency rate 3.41%.
  • Return on assets 4.37%.
  • Efficiency ratio 24.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 150.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

First Credit Bank has 3 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Return on Assets 3.04% above tier average
  • + Net Interest Margin 2.67% above tier average
  • + Efficiency Ratio 40.29% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.3% in tier
  • - Deposit Outflow: Bottom 1.1% in tier
  • - Cost Spiral: Bottom 1.5% in tier
  • - NIB Deposit Bleed: Bottom 4.3% in tier
  • - Liquidity Strain: Bottom 33.0% in tier
  • - Margin Compression: Bottom 66.1% in tier
  • - Capital Constraint: Bottom 93.5% in tier
  • - Delinquency Rate 2.49% above tier average
Get updates when First Credit Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $515.8M
-2.0% YoY +2.2% QoQ
+$129.3M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $398.9M
-4.0% YoY +4.2% QoQ
+$140.5M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $265.3M
-6.0% YoY +2.9% QoQ
-$61.4M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 4.37%
-10.2% YoY +19.7% QoQ
+3.04% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Top 0.6% in tier
Net Interest Margin ? 6.65%
-0.3% YoY +2.2% QoQ
+2.67% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 0.7% in tier
Efficiency Ratio ? 24.19%
+29.3% YoY +16.0% QoQ
-40.29% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 0.4% in tier
Delinquency Rate ? 3.41%
+0.8% YoY -5.1% QoQ
+2.49% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 5.1% in tier
Loan-to-Deposit Ratio ? 150.35%
+2.2% YoY +1.3% QoQ
+72.39% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ? 7.70%
-39.3% YoY +4.9% QoQ
-14.33% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 6.4% in tier
Nonperforming Asset Ratio ? 2.64%
-1.3% YoY -3.3% QoQ
+1.97% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 4.4% in tier
Tier 1 Capital Ratio ? 47.79%
+8.2% YoY -9.2% QoQ
+31.88% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 1.0% in tier
Non-Interest Income / Assets ? 0.01%
+19.3% YoY +77.1% QoQ
-0.55% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 1.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 7.7%
-5.0pp YoY
+0.4pp QoQ
 -14.4pp 22.1% 25.5% 22.2% 6%
Brokered Deposits 39.2%
+4.2pp YoY
+3.0pp QoQ
 +31.4pp 7.9% 11.0% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 1.0%
+0.3pp YoY
-0.1pp QoQ
 -10.5pp 11.6% 11.8% 12.5% 4%
CRE 90.5%
-1.6pp YoY
+0.2pp QoQ
 +51.0pp 39.5% 67.5% 41.4% 99%
1-4 Family 10.3%
+0.4pp YoY
-0.4pp QoQ
 -22.4pp 32.6% 16.5% 31.3% 11%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 47.8%
+3.6pp YoY
-4.9pp QoQ
 +29.0pp 18.8% 23.7% 19.7% 98%
Leverage Ratio 47.6%
+3.5pp YoY
-0.4pp QoQ
 +35.4pp 12.2% 14.5% 12.6% 100%
Total Capital Ratio 49.1%
+3.6pp YoY
-4.9pp QoQ
 +29.1pp 19.9% 25.1% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 25
0 YoY
+1 (+4.2%) QoQ
 -34 58 337 482 19%
Assets per Employee ($) $20.6M
-2.0% YoY
-1.9% QoQ
 +$13.1M $7.5M $11.3M $8.8M 99%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 3.4%
0.0pp YoY
-0.2pp QoQ
 +2.5pp 0.9% 1.4% 1.0% 95%
Allowance Coverage 0.74x
-25.9% YoY
-4.4% QoQ
 -23.41x 24.15x 17.11x 20.23x 19%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 9.3%
-1.8pp YoY
+1.5pp QoQ
 -2.9pp 12.2% 8.2% 11.6% 32%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.9% 1.7% 53%
Net Income ($, YTD) $11.1M
-14.3% YoY
— QoQ
 +$8.5M $2.6M $28.5M $40.4M 99%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (7)

Liquidity Overhang

risk
#3 of 742 • Bottom 0.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 47.79%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 150.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Deposit Outflow

decline
#7 of 535 • Bottom 1.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Cost Spiral

risk
#3 of 138 • Bottom 1.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 24.19%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

NIB Deposit Bleed

decline
#8 of 162 • Bottom 4.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 7.70%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#229 of 691 • Bottom 33.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 150.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline
#204 of 307 • Bottom 66.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 4.37%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Constraint

risk
#101 of 107 • Bottom 93.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 150.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 47.79%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

11
Efficiency Ratio
profitability
Value: 24.19%
Peer Median: 64.48%
#11 of 2643 Top 0.4% in $100M-$1B
17
Return on Assets
profitability
Value: 4.37%
Peer Median: 1.32%
#17 of 2643 Top 0.6% in $100M-$1B
20
Net Interest Margin
profitability
Value: 6.65%
Peer Median: 3.99%
#20 of 2643 Top 0.7% in $100M-$1B
28
Tier 1 Capital Ratio
capital
Value: 47.79%
Peer Median: 15.91%
#28 of 2643 Top 1.0% in $100M-$1B
548
Total Loans
size
Value: $398.86M
Peer Median: $258.35M
#548 of 2643 Top 20.7% in $100M-$1B

Top Weaknesses (5 metrics)

2639
Loan-to-Deposit Ratio
liquidity
Value: 150.35%
Peer Median: 77.95%
#2639 of 2643 Bottom 0.2% in $100M-$1B
2606
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2606 of 2643 Bottom 1.4% in $100M-$1B
2529
Nonperforming Asset Ratio
credit_quality
Value: 2.64%
Peer Median: 0.67%
#2529 of 2643 Bottom 4.4% in $100M-$1B
2500
Delinquency Rate
credit_quality
Value: 3.41%
Peer Median: 0.92%
#2500 of 2633 Bottom 5.1% in $100M-$1B
2474
Non-Interest-Bearing Deposit Share
funding
Value: 7.70%
Peer Median: 22.03%
#2474 of 2643 Bottom 6.4% in $100M-$1B
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