First Commercial Bank (U.S.A): Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Commercial Bank (U.S.A) of Alhambra, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.34% | -0.36% | 32nd below |
| ROAE | 4.24% | 13.32% | -9.08% | 12th bottom |
| Net Interest Margin | 3.37% | 3.93% | -0.56% | 22nd bottom |
| Efficiency Ratio | 58.29% | 61.14% | -2.85% | 59th above |
| PPNR / Avg Assets | 1.40% | 1.68% | -0.28% | 39th below |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 2.99% | 1.88% | +1.11% | 6th bottom |
| Net Interest Spread | 2.41% | 3.32% | -0.91% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.94% | +0.27% | 24th bottom |
| NPA / Total Assets | 1.05% | 0.70% | +0.35% | 19th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) | 121.03% | 1539.95% | -1418.92% | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.30% | 7.33% | -3.03% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.19% | 19.49% | +9.70% | 92nd top |
| Tier 1 Ratio | 29.19% | 19.52% | +9.67% | 92nd top |
| Total Capital Ratio | 30.44% | 20.61% | +9.83% | 92nd top |
| Leverage Ratio | 23.27% | 12.13% | +11.14% | 97th top |
| Equity / Assets | 23.04% | 11.37% | +11.67% | 97th top |
| TCE / Tangible Assets | 23.04% | 11.08% | +11.96% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.20% | 80.61% | +32.59% | 2nd bottom |
| Core Deposit Ratio | 57.24% | 86.88% | -29.64% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.23% | 6.85% | -2.62% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.43% | 7.90% | -1.47% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.21% | 6.29% | -2.08% | 51st above |
See First Commercial Bank (U.S.A)'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Commercial Bank (U.S.A), freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Commercial Bank (U.S.A) profile, how to read a UBPR, or how this data updates.