First Commercial Bank (U.S.A)
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Data as of · sourced from FFIEC call reports. How we update
First Commercial Bank (U.S.A) is an FDIC-insured commercial bank headquartered in Alhambra, CA, established in 1997 (FDIC certificate 34496), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $849.9M, up 4.2% from Q2 2025, the 66th largest of 113 banks headquartered in California. Its CET1 capital ratio was 29.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34496
- Headquarters
- Alhambra, CA
- Established
- 1997
- Total assets, Q2 2026
- $849.9M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 29.19%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122242377
- Latest call report
- Q2 2026, FFIEC 051 · First Commercial Bank (U.S.A) call report
- Holding company
- FIRST COMMERCIAL BANK, LTD.
- Asset rank in state
- 66th of 113 in California
Problem loans are rising at First Commercial Bank (U.S.A). It reported $850 million in assets at June 30, 2026, up 4.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.05% of loans from 0.25% a year earlier. It pays an average of 2.99% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it holds common equity equal to 29.19% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Its $253 million non-owner-occupied commercial real estate book is now fully current, after 0.71% of it was past due or on nonaccrual a year earlier. Profitability lags: it returns 4.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, First Commercial Bank (U.S.A) reported a CET1 capital ratio of 29.19%, a return on assets of 0.98%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 3.71%. The figures come from its call report filed with the FFIEC.
First Commercial Bank (U.S.A) ranks as the 66th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $849.9M, loans rose 0.8% and deposits fell 3.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.5% of total loans, ahead of 1-4 family residential loans at 31.2%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in CA; its Alhambra office books 29% of its branch deposits. Judged on its Q2 2026 call report, First Commercial Bank (U.S.A) meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Main St, Alhambra, CA 91801
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 20, 1997
- Former names
- First Commercial Bank Taiwan (2000-2001)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $646.8M
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $841.0M
- Average total loans
- $724.7M
- Average interest-bearing deposits
- $577.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 20, 1997
- FDIC Cert
- 34496
- Fed RSSD
- 2332910
- Website
- bankfcb.com →
- Parent Holding Company
- FIRST COMMERCIAL BANK, LTD. (RSSD 1142587)
- Ultimate Parent
- FIRST FINANCIAL HOLDING CO., LTD. (RSSD 3086210)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Commercial Bank (U.S.A)'s total assets ran between $815.3M (Q2 2025) and $871.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$849.9M total assets against $815.3M; $654.1M total liabilities against $628.4M.
$721.4M net loans and leases against $677.7M; $646.8M total deposits against $620.6M.
$45.7M securities against $39.0M; $60.8M cash and balances due against $76.2M.
$11.8M total interest income against $12.4M; $4.8M total interest expense against $5.2M.
$7.0M net interest income against $7.2M.
$28K total noninterest income against $90K; $4.1M total noninterest expense against $4.0M.
-$3K provision for credit losses against $156K.
$2.1M net income against $2.2M.
0.98% return on assets against 1.09%; 3.37% net interest margin against 3.60%.
29.19% CET1 capital ratio against 30.97%; 23.27% tier 1 leverage ratio against 22.97%.
Inside the full First Commercial Bank (U.S.A) terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Commercial Bank (U.S.A) rankings
Its closest position to the top of a national ranking is 91 of 2,134, for CET1 ratio; its furthest is 2,553 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q4 2025) to 1.36% (Q3 2024) and its net interest margin ran from 3.37% (Q2 2026) to 3.77% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.19% | 0.98% | 1.05% | 3.71% | 3.37% |
| Q1 2026 | 29.45% | 1.21% | 0.10% | 0.36% | 3.61% |
| Q4 2025 | 29.67% | 0.86% | 0.24% | 0.86% | 3.53% |
| Q3 2025 | 30.13% | 1.08% | 0.24% | 0.87% | 3.62% |
| Q2 2025 | 30.97% | 1.09% | 0.25% | 0.88% | 3.60% |
| Q1 2025 | 31.10% | 1.09% | 0.25% | 0.89% | 3.49% |
| Q4 2024 | 30.42% | 1.28% | 0.25% | 0.90% | 3.45% |
| Q3 2024 | 29.41% | 1.36% | 0.25% | 0.91% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Commercial Bank (Usa) | Alhambra , CA | 91801 | $186.4M |
| City of Industry Branch | City Of Industry , CA | 91748 | $146.0M |
| Silicon Valley Branch | San Jose , CA | 95129 | $124.0M |
| Irvine Branch | Irvine , CA | 92604 | $65.3M |
| Fremont Branch | Fremont , CA | 94539 | $52.3M |
| Arcadia Branch | Arcadia , CA | 91007 | $45.3M |
| Chino Hills | Chino Hills , CA | 91709 | $16.5M |
| San Mateo Branch | San Mateo , CA | 94403 | $10.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 101 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 57 loans originated, $72.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Commercial Bank (U.S.A)
What are First Commercial Bank (U.S.A)'s total assets?
As of the Q2 2026 filing, First Commercial Bank (U.S.A) reported total assets of $849.9 million in its FFIEC call report.
Where is First Commercial Bank (U.S.A) headquartered?
It is headquartered in Alhambra, CA, United States.
When was First Commercial Bank (U.S.A) founded?
It was established in 1997, per the FDIC institution directory.
Is First Commercial Bank (U.S.A) FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Commercial Bank (U.S.A)?
First Commercial Bank (U.S.A)'s primary federal regulator is the FDIC.
What is First Commercial Bank (U.S.A)'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Commercial Bank (U.S.A) operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Commercial Bank (U.S.A)'s Texas Ratio?
Its Texas Ratio is 3.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Commercial Bank (U.S.A) previously called?
The charter now named First Commercial Bank (U.S.A) has also operated as First Commercial Bank Taiwan (2000-2001), per FDIC structure-change records.
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