FIRST PACIFIC BANK

WHITTIER, CA | Small | Est. Sept. 18, 2006, midnight | FDIC #58218 | RSSD #3470930 | FED
Latest Report: 2025-12-31

FIRST PACIFIC BANK is asn small FDIC-insured commercial bank headquartered in WHITTIER, CA, established in Sept. 18, 2006, midnight. As of 2025-12-31, the bank reported total assets of $489M and total deposits of $406M. Profitability stands at 0.47% ROA and 5.42% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 12.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 2.52%. FDIC Certificate #58218.

Assets

$489M

Deposits

$406M

Loans

$320M

Equity

$45M

Profitability

Return on Assets (ROA) 0.47%
Return on Equity (ROE) 5.42%
Net Interest Margin (NIM) 3.64%
Yield on Assets 5.52%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio --
Texas Ratio 2.52%
NPA Ratio 0.25%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 12.48%
Tier 1 Capital 12.48%
Total Capital Ratio 13.39%
Leverage Ratio 9.53%
Loan-to-Deposit 78.74%

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