First General Bank
BankRegReports is independent of First General Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First General Bank is an FDIC-insured commercial bank headquartered in Rowland Heights, CA, established in 2005 (FDIC certificate 58060), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.17B, up 3.3% from Q2 2025, the 57th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58060
- Headquarters
- Rowland Heights, CA
- Established
- 2005
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +3.3%
- Tier 1 leverage ratio, Q2 2026
- 26.30%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 122244061
- Asset rank in state
- 57th of 113 in California
Problem loans are rising at First General Bank. Its balance sheet stood at $1.2 billion at June 30, 2026, up 3.3% from a year earlier; it is based in Rowland Heights, California. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.83% of loans from 1.05% a year earlier. It earns about $2.38 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 31 cents to bring in each dollar of revenue, about half the median of 58 cents for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $6.9 million. Its $175 million multifamily book is now fully current, after 0.84% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it holds about half of its deposits (48%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, First General Bank reported a return on assets of 2.38%, a nonperforming-loan ratio of 1.83% and a Texas ratio of 6.40%. The figures come from its call report filed with the FFIEC.
First General Bank ranks as the 57th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $1.17B, loans rose 1.5% and deposits rose 3.2%. Non-owner-occupied commercial real estate loans made up 40.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CA; its Rowland Heights office books 38% of its branch deposits. On its Q2 2026 call report, First General Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 19036 Colima Rd, Rowland Heights, CA 91748
- 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
- October 13, 2005
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $837.8M
- Allowance for credit losses
- $13.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.16B
- Average total loans
- $927.4M
- Average interest-bearing deposits
- $708.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 13, 2005
- FDIC Cert
- 58060
- Fed RSSD
- 3386264
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First General Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First General Bank's total assets ranged from $1.11B (Q1 2024) to $1.17B (Q2 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
$1.17B total assets against $1.14B; $871.7M total liabilities against $852.1M.
$931.1M net loans and leases against $917.3M; $837.8M total deposits against $824.0M.
$7.3M securities against $7.0M; $193.5M cash and balances due against $171.7M.
$19.2M total interest income against $21.1M; $5.1M total interest expense against $5.7M.
$14.0M net interest income against $15.4M.
$293K total noninterest income against $327K; $4.4M total noninterest expense against $4.2M.
$200K provision for credit losses against $200K.
$6.9M net income against $7.9M.
2.38% return on assets against 2.80%; 4.96% net interest margin against 5.52%.
26.30% tier 1 leverage ratio against 25.13%.
Inside the full First General 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.
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 General Bank rankings
Its closest position to the top of a national ranking is 53 of 3,606, for efficiency ratio; its furthest is 1,060 of 3,640, for Texas Ratio.
Metric pages for First General Bank: ROA, Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.16% (Q4 2025) to 3.39% (Q3 2024) and its net interest margin ran from 4.85% (Q1 2026) to 5.84% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.30% | 2.38% | 1.83% | 6.40% | 4.96% |
| Q1 2026 | 26.44% | 2.25% | 2.00% | 6.86% | 4.85% |
| Q4 2025 | 25.85% | 2.16% | 2.03% | 7.05% | 5.15% |
| Q3 2025 | 25.61% | 2.75% | 0.97% | 3.85% | 5.52% |
| Q2 2025 | 25.13% | 2.80% | 1.05% | 4.27% | 5.52% |
| Q1 2025 | 24.65% | 2.53% | 1.08% | 4.32% | 5.21% |
| Q4 2024 | 23.90% | 2.57% | 1.25% | 4.75% | 5.51% |
| Q3 2024 | 23.96% | 3.39% | 1.11% | 4.37% | 5.84% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 General Bank (main office) | Rowland Heights , CA | 91748 | $322.2M |
| Arcadia Branch | Arcadia , CA | 91007 | $144.8M |
| Irvine Branch | Irvine , CA | 92604 | $144.2M |
| Cerritos Branch | Artesia , CA | 90701 | $125.0M |
| San Gabriel | San Gabriel , CA | 91776 | $101.5M |
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 |
|---|---|---|---|
| August 24, 2011 | Structure Change | Acquired Golden Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2011 | Structure Change | Acquired American Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Deposit market share
- <0.1% of deposits in CA, rank 88 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 11 applications, 9 loans originated, $28.2M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.3M approved, $645K 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
Add this badge to your website
Free to use. It shows First General Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First General Bank
What are First General Bank's total assets?
As of the Q2 2026 filing, First General Bank reported total assets of $1.17 billion in its FFIEC call report.
Where is First General Bank headquartered?
It is headquartered in Rowland Heights, CA, United States.
When was First General Bank founded?
It was established in 2005, per the FDIC institution directory.
Is First General Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First General Bank?
First General Bank's primary federal regulator is the FDIC.
How many branches does First General Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First General Bank's Texas Ratio?
Its Texas Ratio is 6.40% 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.
Go deeper on First General Bank.
Get an email when First General Bank files its next call report, and benchmark it against any peer you choose.
Unlock First General Bank, freeFree account