FIRST COMMERCIAL BANK (U.S.A)

ALHAMBRA, CA | Medium | Est. May 20, 1997, midnight | FDIC #34496 | RSSD #2332910 | FDIC
Latest Report: 2025-12-31

FIRST COMMERCIAL BANK (U.S.A) is amn medium FDIC-insured commercial bank headquartered in ALHAMBRA, CA, established in May 20, 1997, midnight. As of 2025-12-31, the bank reported total assets of $836M and total deposits of $638M. Profitability stands at 0.86% ROA and 3.74% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 29.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 0.86%. FDIC Certificate #34496.

Assets

$836M

Deposits

$638M

Loans

$716M

Equity

$191M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 3.74%
Net Interest Margin (NIM) 3.79%
Yield on Assets 6.42%
Cost of Funds 3.18%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio --
Texas Ratio 0.86%
NPA Ratio 0.21%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 29.67%
Tier 1 Capital 29.67%
Total Capital Ratio 30.93%
Leverage Ratio 23.12%
Loan-to-Deposit 112.19%

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