BlastPoint's Banking Scorecard

First Pacific Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58218

Whittier, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +11.1% year over year ($420.1M on the books).
Delinquency rate 0.31%.
Return on assets 0.24%.
Efficiency ratio 85.37% vs a 64.48% peer average.
Loan-to-deposit ratio 83.23% 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 Pacific Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 22.4% in tier
- Return on Assets 1.08% below tier average
- Non-Interest Income / Assets 0.51% below tier average
- Net Interest Margin 0.34% below tier average

Get updates when First Pacific 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 ?	$514.4M +7.7% YoY +5.0% QoQ	+$127.8M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$349.7M +13.3% YoY +6.6% QoQ	+$91.3M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$420.1M +11.1% YoY +2.5% QoQ	+$93.4M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	0.24% -36.2% YoY -42.5% QoQ	-1.08%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 6.2% in tier
Net Interest Margin ?	3.65% +5.5% YoY -0.6% QoQ	-0.34%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	85.37% +1.0% YoY +2.1% QoQ	+20.89%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 8.6% in tier
Delinquency Rate ?	0.31% -5.4% YoY -33.9% QoQ	-0.61%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	83.23% +2.0% YoY +4.0% QoQ	+5.28%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	34.63% -5.6% YoY -4.8% QoQ	+12.60%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 10.3% in tier
Nonperforming Asset Ratio ?	0.21% -0.6% YoY -32.9% QoQ	-0.46%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	11.75% +3.2% YoY -3.6% QoQ	-4.16%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.06% +1.8% YoY +104.2% QoQ	-0.51%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 6.6% 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	34.6% -2.0pp YoY -1.8pp QoQ	+12.5pp	22.1%	25.5%	22.2%	90%
Brokered Deposits	7.2% +3.1pp YoY +1.5pp QoQ	-0.7pp	7.9%	11.0%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	19.5% -0.6pp YoY 0.0pp QoQ	+8.0pp	11.6%	11.8%	12.5%	87%
CRE	54.5% -3.0pp YoY -1.5pp QoQ	+15.0pp	39.5%	67.5%	41.4%	77%
1-4 Family	24.8% +2.7pp YoY +0.8pp QoQ	-7.8pp	32.6%	16.5%	31.3%	40%
Consumer	0.1% +0.1pp YoY +0.1pp QoQ	-4.0pp	4.1%	5.3%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.4pp YoY -0.4pp QoQ	-7.1pp	18.8%	23.7%	19.7%	14%
Leverage Ratio	9.2% +0.4pp YoY -0.3pp QoQ	-2.9pp	12.2%	14.5%	12.6%	16%
Total Capital Ratio	12.6% +0.3pp YoY -0.4pp QoQ	-7.3pp	19.9%	25.1%	20.8%	12%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	57 +10 (+21.3%) YoY +8 (+16.3%) QoQ	-2	58	337	482	60%
Assets per Employee ($)	$9.0M -11.2% YoY -9.7% QoQ	+$1.5M	$7.5M	$11.3M	$8.8M	79%
Branch Count	5 0 YoY 0 QoQ	0	4	15	18	55%

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	0.3% 0.0pp YoY -0.1pp QoQ	-0.6pp	0.9%	1.4%	1.0%	39%
Allowance Coverage	2.97x -5.2% YoY +47.8% QoQ	-21.18x	24.15x	17.11x	20.23x	58%
Net Charge-off Rate (YTD)	0.2% +0.2pp QoQ	+0.1pp	0.1%	0.3%	0.2%	87%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	2.6% -1.7pp YoY -1.9pp QoQ	-9.6pp	12.2%	8.2%	11.6%	8%
Cost of Funds (YTD)	1.7% -0.2pp YoY +0.1pp QoQ	0.0pp	1.7%	1.9%	1.7%	49%
Net Income ($, YTD)	$596,000 -30.3% YoY — QoQ	-$2.0M	$2.6M	$28.5M	$40.4M	13%

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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)

Efficiency Drag

risk

#82 of 361 • Bottom 22.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 85.37%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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).

Compare against:

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

Top Strengths (1 metrics)

273

Non-Interest-Bearing Deposit Share

funding

Value: 34.63%

Peer Median: 22.03%

#273 of 2643 Top 10.3% in $100M-$1B

Top Weaknesses (3 metrics)

2479

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.32%

#2479 of 2643 Bottom 6.2% in $100M-$1B

2470

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2470 of 2643 Bottom 6.6% in $100M-$1B

2418

Efficiency Ratio

profitability

Value: 85.37%

Peer Median: 64.48%

#2418 of 2643 Bottom 8.6% in $100M-$1B