BlastPoint's Banking Scorecard
First Pacific Bank
Whittier, CA
5 branches across CA
First Pacific Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.37% above tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 32.1% in tier
- - Credit Quality Pressure: Bottom 34.1% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.85% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$489.8M
+7.4% YoY
+0.1% QoQ
|
+$103.8M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$327.9M
+12.7% YoY
+3.5% QoQ
|
+$72.2M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$409.8M
+5.0% YoY
+0.9% QoQ
|
+$81.8M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.42%
+17.2% YoY
-4.8% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.0% in tier |
| Net Interest Margin ? |
3.67%
+8.8% YoY
+4.0% QoQ
|
-0.26% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
83.65%
-1.8% YoY
+1.1% QoQ
|
+18.36% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate ? |
0.47%
+61.1% YoY
+24.1% QoQ
|
-0.42% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
80.02%
+7.3% YoY
+2.6% QoQ
|
+3.38% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
36.39%
-1.3% YoY
-7.9% QoQ
|
+14.37% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 8.3% in tier |
| Nonperforming Asset Ratio ? |
0.31%
+69.1% YoY
+28.3% QoQ
|
-0.32% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.19%
+4.2% YoY
-2.4% QoQ
|
-3.65% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.03%
-26.8% YoY
-79.9% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.6% 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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.