BlastPoint's Banking Scorecard
First General Bank
Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution
Rowland Heights, CA
5 branches across CA
First General Bank has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier average
- + Net Interest Margin 1.14% above tier average
- + Efficiency Ratio 28.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.9% in tier
- - Deposit Outflow: Bottom 33.8% in tier
- - Margin Compression: Bottom 75.0% in tier
- - Delinquency Rate 1.14% above tier average
- - Nonperforming Asset Ratio 1.21% above tier average
- - Non-Interest Income / Assets 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-0.2% YoY
+0.5% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.2% in tier |
| Total Loans ? |
$917.1M
+4.2% YoY
+1.0% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$811.9M
-2.9% YoY
+0.7% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.6% in tier |
| Return on Assets ? |
2.26%
-10.1% YoY
-11.6% QoQ
|
+0.89% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 6.0% in tier |
| Net Interest Margin ? |
4.96%
-6.2% YoY
-9.1% QoQ
|
+1.14% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 5.5% in tier |
| Efficiency Ratio ? |
32.45%
+8.3% YoY
+3.3% QoQ
|
-28.61% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 3.1% in tier |
| Delinquency Rate ? |
2.03%
+84.2% YoY
-1.5% QoQ
|
+1.14% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.4% in tier |
| Loan-to-Deposit Ratio ? |
112.96%
+7.3% YoY
+0.3% QoQ
|
+28.76% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.84%
-1.7% YoY
-7.5% QoQ
|
-7.45% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.89%
+70.6% YoY
-1.0% QoQ
|
+1.21% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.1% in tier |
| Tier 1 Capital Ratio ? |
26.44%
+7.2% YoY
+2.2% QoQ
|
+11.28% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 3.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
-9.4% YoY
-78.9% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.5% in tier |
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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 (0)
Concerns (3)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.