First General 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: 6.45 percentage points higher than in Q1 2026, at 75.85%. On return on assets, First General Bank ranks 7th highest among the 114 banks headquartered in California, at 2.38% (Q2 2026). First General Bank's return on assets of 2.38% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.10 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 26.30% |
| Equity capital to assets | 25.80% |
| Tangible equity to tangible assets | 25.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.83% |
| Non-performing assets ratio | 1.72% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.40% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 75.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.38% |
| Return on equity | 9.09% |
| Net interest margin | 4.96% |
| Efficiency ratio | 30.88% |
| Yield on earning assets | 6.77% |
| Cost of funds | 2.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.71% |
| Core deposits to total deposits | 57.55% |
| Brokered deposits to total deposits | 1.19% |
| Deposits to assets | 71.31% |
| Securities to assets | 0.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.38% | 4.07% | 7.26% | 0.32% | -0.02% |
| Q4 2023 | 21.87% | 3.19% | 6.98% | 0.32% | 0.00% |
| Q1 2024 | 23.24% | 3.47% | 6.31% | 1.05% | 1.13% |
| Q2 2024 | 23.34% | 3.21% | 6.06% | 1.04% | 0.00% |
| Q3 2024 | 23.96% | 3.39% | 5.84% | 1.11% | 0.00% |
| Q4 2024 | 23.90% | 2.57% | 5.51% | 1.25% | 0.00% |
| Q1 2025 | 24.65% | 2.53% | 5.21% | 1.08% | 0.00% |
| Q2 2025 | 25.13% | 2.80% | 5.52% | 1.05% | 0.00% |
| Q3 2025 | 25.61% | 2.75% | 5.52% | 0.97% | 0.00% |
| Q4 2025 | 25.85% | 2.16% | 5.15% | 2.03% | 0.00% |
| Q1 2026 | 26.44% | 2.25% | 4.85% | 2.00% | 0.00% |
| Q2 2026 | 26.30% | 2.38% | 4.96% | 1.83% | 0.00% |
First General Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First General 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 General Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58060) · FFIEC NIC profile (RSSD 3386264)