First Credit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Credit Bank of West Hollywood, CA against its peer group of 2757 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 | 5.12% | 1.25% | +3.87% | 99th top |
| ROAE | 10.80% | 13.17% | -2.37% | 40th below |
| Net Interest Margin | 6.72% | 3.95% | +2.77% | 99th top |
| Efficiency Ratio | 27.31% | 61.50% | -34.19% | 99th top |
| PPNR / Avg Assets | 4.54% | — | — | 99th top |
| Yield on Earning Assets | 8.46% | 5.67% | +2.79% | 99th top |
| Cost of Funds | 3.16% | 1.87% | +1.29% | 4th bottom |
| Net Interest Spread | 5.07% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.33% | 0.93% | +2.40% | 5th bottom |
| NPA / Total Assets | 2.64% | — | — | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 2.47% | — | — | 97th top |
| ACL / NPLs (Coverage) | 74.24% | — | — | 20th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.41% | 6.06% | -0.65% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 47.79% | 17.18% | +30.61% | 98th top |
| Tier 1 Ratio | 47.79% | 17.21% | +30.58% | 98th top |
| Total Capital Ratio | 49.05% | — | — | 98th top |
| Leverage Ratio | 47.61% | 11.75% | +35.86% | 99th top |
| Equity / Assets | 46.79% | 10.98% | +35.81% | 99th top |
| TCE / Tangible Assets | 46.79% | — | — | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 154.15% | 80.44% | +73.71% | 0th bottom |
| Core Deposit Ratio | 32.57% | 86.95% | -54.38% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.98% | — | — | 10th bottom |
| Loan Growth (Y/Y) | -4.77% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | -6.04% | — | — | 5th bottom |
See First Credit Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Credit Bank, 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 Credit Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Credit Bank peer analysis.