BlastPoint's Banking Scorecard

First Commercial Bank (USA)

$100M-$1B Specialty: Commercial CA FDIC cert 34496

Designations: ✓ Minority Depository Institution

Alhambra, CA

8 branches across 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 +4.2% year over year ($646.8M on the books).
Delinquency rate 1.06%.
Return on assets 1.10%.
Efficiency ratio 55.40% vs a 64.48% peer average.
Loan-to-deposit ratio 111.54% 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 Commercial Bank (USA) has 1 strength but faces 5 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

+ Efficiency Ratio 9.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.4% in tier
- Non-Interest Income / Assets 0.54% below tier average
- ROA 0.22% below tier average
- Net Interest Margin 0.42% below tier average
- Delinquency Rate 0.14% above tier average

Get updates when First Commercial Bank (USA) releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$849.9M +4.2% YoY -2.5% QoQ	+$463.3M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 5.7% in tier
Total Loans ?	$721.4M +6.4% YoY +0.8% QoQ	+$463.0M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 1.8% in tier
Total Deposits ?	$646.8M +4.2% YoY -3.5% QoQ	+$320.0M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 9.6% in tier
Return on Assets ?	1.10% +3.3% YoY -10.6% QoQ	-0.22%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.57% +0.8% YoY -4.7% QoQ	-0.42%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	55.40% +0.4% YoY +4.9% QoQ	-9.08%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	1.06% +314.3% YoY +922.9% QoQ	+0.14%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	111.54% +2.1% YoY +4.4% QoQ	+33.58%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 2.5% in tier
Non-Interest-Bearing Deposit Share ?	10.48% +6.2% YoY +2.9% QoQ	-11.55%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 11.7% in tier
Nonperforming Asset Ratio ?	0.90% +323.1% YoY +957.3% QoQ	+0.23%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	29.19% -5.8% YoY -0.9% QoQ	+13.28%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 4.4% in tier
Non-Interest Income / Assets ?	0.02% +5.5% YoY +20.5% QoQ	-0.54%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 1.8% 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	10.5% +0.6pp YoY +0.3pp QoQ	-11.7pp	22.1%	25.5%	22.2%	11%
Brokered Deposits	7.7% +0.6pp YoY -1.0pp QoQ	-0.2pp	7.9%	11.0%	8.5%	67%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	6.1% -0.3pp YoY -0.2pp QoQ	-5.5pp	11.6%	11.8%	12.5%	26%
CRE	54.2% +0.9pp YoY +0.9pp QoQ	+14.6pp	39.5%	67.5%	41.4%	76%
1-4 Family	31.6% -0.1pp YoY -1.1pp QoQ	-1.0pp	32.6%	16.5%	31.3%	55%
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	29.2% -1.8pp YoY -0.3pp QoQ	+10.4pp	18.8%	23.7%	19.7%	92%
Leverage Ratio	23.3% +0.3pp YoY +0.9pp QoQ	+11.1pp	12.2%	14.5%	12.6%	98%
Total Capital Ratio	30.4% -1.8pp YoY -0.3pp QoQ	+10.5pp	19.9%	25.1%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	102 0 YoY +1 (+1.0%) QoQ	+43	58	337	482	88%
Assets per Employee ($)	$8.3M +4.2% YoY -3.4% QoQ	+$814K	$7.5M	$11.3M	$8.8M	72%
Branch Count	8 0 YoY 0 QoQ	+3	4	15	18	82%

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	1.1% +0.8pp YoY +1.0pp QoQ	+0.1pp	0.9%	1.4%	1.0%	73%
Allowance Coverage	1.40x -76.1% YoY -90.3% QoQ	-22.75x	24.15x	17.11x	20.23x	37%
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	4.8% 0.0pp YoY -0.6pp QoQ	-7.3pp	12.2%	8.2%	11.6%	13%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.9%	1.7%	87%
Net Income ($, YTD)	$4.7M +5.6% YoY — QoQ	+$2.1M	$2.6M	$28.5M	$40.4M	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Liquidity Overhang

risk

#19 of 742 • Bottom 2.4% 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: 29.19%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 111.54%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $721.36M

Peer Median: $258.35M

#48 of 2643 Top 1.8% in $100M-$1B

117

Tier 1 Capital Ratio

capital

Value: 29.19%

Peer Median: 15.91%

#117 of 2643 Top 4.4% in $100M-$1B

151

Total Assets

size

Value: $849.87M

Peer Median: $386.57M

#151 of 2643 Top 5.7% in $100M-$1B

256

Total Deposits

size

Value: $646.75M

Peer Median: $326.73M

#256 of 2643 Top 9.6% in $100M-$1B

Top Weaknesses (4 metrics)

2597

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2597 of 2643 Bottom 1.8% in $100M-$1B

2577

Loan-to-Deposit Ratio

liquidity

Value: 111.54%

Peer Median: 77.95%

#2577 of 2643 Bottom 2.5% in $100M-$1B

2336

Non-Interest-Bearing Deposit Share

funding

Value: 10.48%

Peer Median: 22.03%

#2336 of 2643 Bottom 11.7% in $100M-$1B

2041

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#2041 of 2643 Bottom 22.8% in $100M-$1B