BlastPoint's Banking Scorecard

First General Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58060

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

Rowland Heights, CA

5 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +1.7% year over year ($837.8M on the books).
Delinquency rate 1.85%.
Return on assets 2.31%.
Efficiency ratio 31.65% vs a 59.73% peer average.
Loan-to-deposit ratio 111.14% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

First General Bank has 3 strengths 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

+ Return on Assets 0.92% above tier average
+ Net Interest Margin 1.12% above tier average
+ Efficiency Ratio 28.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.9% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 74.1% in tier
- Nonperforming Asset Ratio 1.05% above tier average
- Non-Interest Income / Assets 0.48% below tier average

Get updates when First General 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 ?	$1.2B +3.3% YoY +2.9% QoQ	-$1.6B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Bottom 14.9% in tier
Total Loans ?	$931.1M +1.5% YoY +1.5% QoQ	-$1.0B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$837.8M +1.7% YoY +3.2% QoQ	-$1.5B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Bottom 3.1% in tier
Return on Assets ?	2.31% -12.8% YoY +2.3% QoQ	+0.92%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 5.3% in tier
Net Interest Margin ?	4.99% -8.4% YoY +0.6% QoQ	+1.12%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 5.2% in tier
Efficiency Ratio ?	31.65% +11.3% YoY -2.5% QoQ	-28.08%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 2.5% in tier
Delinquency Rate ?	1.85% +74.6% YoY -8.5% QoQ	+0.99%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 10.5% in tier
Loan-to-Deposit Ratio ?	111.14% -0.2% YoY -1.6% QoQ	+26.11%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ?	13.52% +1.6% YoY -2.3% QoQ	-7.75%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	1.72% +54.2% YoY -8.8% QoQ	+1.05%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	26.29% +4.7% YoY -0.5% QoQ	+11.45%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 3.5% in tier
Non-Interest Income / Assets ?	0.05% -12.9% YoY +104.1% QoQ	-0.48%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 3.2% 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	13.5% +0.2pp YoY -0.3pp QoQ	-7.8pp	21.4%	25.5%	22.2%	21%
Brokered Deposits	1.2% -0.9pp YoY 0.0pp QoQ	-8.3pp	9.5%	11.0%	8.5%	21%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	3.5% -0.9pp YoY -0.2pp QoQ	-10.5pp	14.0%	11.8%	12.5%	11%
CRE	88.9% -1.4pp YoY +2.5pp QoQ	+38.8pp	50.0%	67.5%	41.4%	99%
1-4 Family	3.7% +0.2pp YoY 0.0pp QoQ	-22.7pp	26.4%	16.5%	31.3%	5%
Consumer	n/a	n/a	4.7%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.7%	19.7%	n/a
Leverage Ratio	26.3% +1.2pp YoY -0.1pp QoQ	+15.0pp	11.3%	14.5%	12.6%	99%
Total Capital Ratio	n/a	n/a	16.7%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	69 -1 (-1.4%) YoY +2 (+3.0%) QoQ	-245	313	337	482	2%
Assets per Employee ($)	$17.0M +4.8% YoY 0.0% QoQ	+$6.5M	$10.5M	$11.3M	$8.8M	92%
Branch Count	5 0 YoY 0 QoQ	-15	20	15	18	12%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.9% +0.8pp YoY -0.2pp QoQ	+1.0pp	0.8%	1.4%	1.0%	91%
Allowance Coverage	0.76x -40.9% YoY +9.3% QoQ	-17.95x	18.71x	17.11x	20.23x	14%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	8.9% -2.0pp YoY +0.2pp QoQ	-3.7pp	12.6%	8.2%	11.6%	25%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.9%	1.7%	47%
Net Income ($, YTD)	$13.3M -12.3% YoY — QoQ	-$5.9M	$19.2M	$28.5M	$40.4M	54%

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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 (3)

Liquidity Overhang

risk

#6 of 172 • Bottom 2.9% 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: 26.29%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 111.14%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

Credit Risk Growth

risk

#202 of 402 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Margin Compression

decline

#64 of 85 • Bottom 74.1% 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: 2.31%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 31.65%

Peer Median: 59.73%

#23 of 885 Top 2.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 26.29%

Peer Median: 14.84%

#32 of 885 Top 3.5% in $1B-$10B

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.87%

#47 of 885 Top 5.2% in $1B-$10B

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.39%

#48 of 885 Top 5.3% in $1B-$10B

Top Weaknesses (7 metrics)

859

Total Deposits

size

Value: $837.77M

Peer Median: $2.32B

#859 of 885 Bottom 3.1% in $1B-$10B

858

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.53%

#858 of 885 Bottom 3.2% in $1B-$10B

849

Loan-to-Deposit Ratio

liquidity

Value: 111.14%

Peer Median: 85.04%

#849 of 885 Bottom 4.2% in $1B-$10B

815

Nonperforming Asset Ratio

credit_quality

Value: 1.72%

Peer Median: 0.67%

#815 of 885 Bottom 8.0% in $1B-$10B

790

Delinquency Rate

credit_quality

Value: 1.85%

Peer Median: 0.87%

#790 of 882 Bottom 10.5% in $1B-$10B

754

Total Assets

size

Value: $1.17B

Peer Median: $2.79B

#754 of 885 Bottom 14.9% in $1B-$10B

696

Non-Interest-Bearing Deposit Share

funding

Value: 13.52%

Peer Median: 21.27%

#696 of 885 Bottom 21.5% in $1B-$10B