First Credit Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.45 percentage points lower than in Q1 2026, at 74.24%. Among 114 California banks, First Credit Bank sits 4th from the top on return on assets, 5.12% as of Q2 2026. First Credit Bank's return on assets of 5.12% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 3.86 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 47.79% |
| Tier 1 risk-based capital ratio | 47.79% |
| Total risk-based capital ratio | 49.05% |
| Tier 1 leverage ratio | 47.61% |
| Equity capital to assets | 46.79% |
| Tangible equity to tangible assets | 46.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.33% |
| Non-performing assets ratio | 2.64% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.41% |
| Allowance for credit losses to loans | 2.47% |
| Reserve coverage of non-performing loans | 74.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.12% |
| Return on equity | 10.80% |
| Net interest margin | 6.72% |
| Efficiency ratio | 27.31% |
| Yield on earning assets | 8.46% |
| Cost of funds | 3.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 154.15% |
| Core deposits to total deposits | 32.57% |
| Brokered deposits to total deposits | 39.22% |
| Deposits to assets | 51.43% |
| Securities to assets | 1.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 39.02% | 39.02% | 40.29% | 38.22% | 5.81% |
| Q4 2023 | 38.96% | 38.96% | 40.22% | 38.83% | 5.66% |
| Q1 2024 | 38.42% | 38.42% | 39.69% | 39.06% | 5.68% |
| Q2 2024 | 41.59% | 41.59% | 42.86% | 39.99% | 5.85% |
| Q3 2024 | 46.17% | 46.17% | 47.43% | 42.61% | 8.17% |
| Q4 2024 | 44.14% | 44.14% | 45.41% | 40.72% | 4.20% |
| Q1 2025 | 45.56% | 45.56% | 46.83% | 44.03% | 4.65% |
| Q2 2025 | 44.18% | 44.18% | 45.45% | 44.16% | 5.09% |
| Q3 2025 | 49.66% | 49.66% | 50.92% | 46.00% | 7.21% |
| Q4 2025 | 49.07% | 49.07% | 50.33% | 45.71% | 6.57% |
| Q1 2026 | 48.80% | 48.80% | 50.06% | 47.97% | 3.68% |
| Q2 2026 | 47.79% | 47.79% | 49.05% | 47.61% | 5.12% |
First Credit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Credit Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Credit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24332) · FFIEC NIC profile (RSSD 5069)