First Credit Bank
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Data as of · sourced from FFIEC call reports. How we update
First Credit Bank is an FDIC-insured commercial bank headquartered in West Hollywood, CA, established in 1983 (FDIC certificate 24332), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $515.8M, down 2.0% from Q2 2025, the 78th largest of 113 banks headquartered in California. Its CET1 capital ratio was 47.79% 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
- 24332
- Headquarters
- West Hollywood, CA
- Established
- 1983
- Total assets, Q2 2026
- $515.8M
- Assets vs Q2 2025
- -2.0%
- CET1 ratio, Q2 2026
- 47.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122237599
- Asset rank in state
- 78th of 113 in California
First Credit Bank runs leaner than most banks of its size. Its balance sheet stood at $516 million at June 30, 2026, down 2.0% from a year earlier; it is based in West Hollywood, California. It spends about 27 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 6.72 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Its $182 million non-owner-occupied commercial real estate book is improving, with 5.43% past due or on nonaccrual, down from 13.26% a year earlier. Funding is the softer spot: it pays an average of 3.16% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, First Credit Bank reported a CET1 capital ratio of 47.79%, a return on assets of 5.12%, a nonperforming-loan ratio of 3.33% and a Texas ratio of 5.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Credit Bank is the 78th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $515.8M, loans rose 3.9% and deposits rose 2.9%. Non-owner-occupied commercial real estate loans made up 44.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 22.0%. The FDIC Summary of Deposits lists a single office for it, in Los Angeles, CA. On its Q2 2026 call report, First Credit Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9255 W Sunset Blvd, West Hollywood, CA 90069
- 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
- February 18, 1983
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $265.3M
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $506.5M
- Average total loans
- $402.3M
- Average interest-bearing deposits
- $239.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 18, 1983
- FDIC Cert
- 24332
- Fed RSSD
- 5069
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
From Q3 2023 to Q2 2026, First Credit Bank's total assets ranged from $500.5M (Q4 2025) to $578.2M (Q1 2024), 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
$515.8M total assets against $526.2M; $274.5M total liabilities against $291.7M.
$398.9M net loans and leases against $415.4M; $265.3M total deposits against $282.4M.
$9.4M securities against $6.7M; $61.5M cash and balances due against $61.8M.
$9.9M total interest income against $11.0M; $2.0M total interest expense against $2.6M.
$7.9M net interest income against $8.4M.
$34K total noninterest income against $32K; $2.2M total noninterest expense against $1.3M.
-$1.1M provision for credit losses against -$117K.
$6.5M net income against $6.8M.
5.12% return on assets against 5.09%; 6.72% net interest margin against 6.72%.
47.79% CET1 capital ratio against 44.18%; 47.61% tier 1 leverage ratio against 44.16%.
Inside the full First Credit Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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 Credit Bank rankings
Its closest position to the top of a national ranking is 5 of 2,134, for CET1 ratio; its furthest is 1,741 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.68% (Q1 2026) to 8.17% (Q3 2024) and its net interest margin ran from 6.30% (Q1 2025) to 8.59% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 47.79% | 5.12% | 3.33% | 5.41% | 6.72% |
| Q1 2026 | 48.80% | 3.68% | 3.50% | 5.51% | 6.44% |
| Q4 2025 | 49.07% | 6.57% | 3.56% | 5.65% | 6.30% |
| Q3 2025 | 49.66% | 7.21% | 3.51% | 5.41% | 7.46% |
| Q2 2025 | 44.18% | 5.09% | 3.27% | 5.65% | 6.72% |
| Q1 2025 | 45.56% | 4.65% | 3.42% | 5.69% | 6.30% |
| Q4 2024 | 44.14% | 4.20% | 0.49% | 0.83% | 7.30% |
| Q3 2024 | 46.17% | 8.17% | 2.89% | 5.88% | 8.59% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Credit Bank (main office) | Los Angeles , CA | 90069 | $265.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 27, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 27, 1983 | Structure Change | Acquired The Commercial Bank of California Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 18, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 1983 | Structure Change | Acquired Merchants and Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action February 2, 1998. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 127 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $900K approved, $300K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 17 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), 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 Credit Bank
What are First Credit Bank's total assets?
As of the Q2 2026 filing, First Credit Bank reported total assets of $515.8 million in its FFIEC call report.
Where is First Credit Bank headquartered?
It is headquartered in West Hollywood, CA, United States.
When was First Credit Bank founded?
It was established in 1983, per the FDIC institution directory.
Is First Credit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Credit Bank?
First Credit Bank's primary federal regulator is the FDIC.
What is First Credit Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 47.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Credit Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Credit Bank's Texas Ratio?
Its Texas Ratio is 5.41% 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.
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