First Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
First Pacific Bank is an FDIC-insured commercial bank headquartered in Whittier, CA, established in 2006 (FDIC certificate 58218), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $514.4M, up 7.7% from Q2 2025, the 79th largest of 113 banks headquartered in California. Its CET1 capital ratio was 11.75% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58218
- Headquarters
- Whittier, CA
- Established
- 2006
- Total assets, Q2 2026
- $514.4M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 11.75%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 122244249
- Holding company
- FIRST PACIFIC BANCORP
- Asset rank in state
- 79th of 113 in California
First Pacific Bank spends more to run itself than most banks of its size. Based in Whittier, California, it had $514 million in assets at June 30, 2026, up 7.7% from a year earlier. It earns about $0.07 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $86,000 was 81% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $13 million equal 30% of Tier 1 capital, down from 40% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Pacific Bank reported a CET1 capital ratio of 11.75%, a return on assets of 0.07%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, First Pacific Bank is the 79th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.0% to $514.4M, loans rose 6.6% and deposits rose 2.5%. 1-4 family residential loans made up 24.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.7%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CA; its Santa Fe Springs office books 35% of its branch deposits. On its Q2 2026 call report, First Pacific Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 16011 Whittier Blvd, Whittier, CA 90603
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 18, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $420.1M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $394K
- Average total assets
- $487.8M
- Average total loans
- $343.9M
- Average interest-bearing deposits
- $267.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 2006
- FDIC Cert
- 58218
- Fed RSSD
- 3470930
- Website
- www.firstpacbank.com →
- Parent Holding Company
- FIRST PACIFIC BANCORP (RSSD 5609453)
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
First Pacific Bank's total assets moved between a low of $420.1M (Q4 2023) and a high of $514.4M (Q2 2026) from Q3 2023 to 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
$514.4M total assets against $477.6M; $468.9M total liabilities against $437.9M.
$349.7M net loans and leases against $308.7M; $420.1M total deposits against $378.2M.
$95.6M securities against $99.9M; $51.3M cash and balances due against $52.0M.
$6.4M total interest income against $5.9M; $2.1M total interest expense against $2.0M.
$4.4M net interest income against $3.9M.
$151K total noninterest income against $90K; $3.9M total noninterest expense against $3.4M.
$470K provision for credit losses against $0.
$86K net income against $460K.
0.07% return on assets against 0.41%; 3.70% net interest margin against 3.63%.
11.75% CET1 capital ratio against 11.39%; 9.25% tier 1 leverage ratio against 8.84%.
Inside the full First Pacific 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Pacific Bank rankings
Its closest position to the top of a national ranking is 1,743 of 4,196, for total assets; its furthest is 3,484 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q2 2026) to 0.54% (Q3 2025) and its net interest margin ran from 3.41% (Q1 2025) to 3.75% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.75% | 0.07% | 0.31% | 2.29% | 3.70% |
| Q1 2026 | 12.19% | 0.43% | 0.47% | 3.27% | 3.75% |
| Q4 2025 | 12.48% | 0.50% | 0.38% | 2.58% | 3.64% |
| Q3 2025 | 11.26% | 0.54% | 0.36% | 2.71% | 3.70% |
| Q2 2025 | 11.39% | 0.41% | 0.33% | 2.44% | 3.63% |
| Q1 2025 | 11.69% | 0.37% | 0.29% | 2.07% | 3.41% |
| Q4 2024 | 12.37% | 0.48% | 0.24% | 1.67% | 3.49% |
| Q3 2024 | 11.81% | 0.24% | 0.37% | 2.50% | 3.44% |
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 |
|---|---|---|---|
| Sfs Branch | Santa Fe Springs , CA | 90670 | $145.2M |
| First Pacific Bank (main office) | Whittier , CA | 90603 | $133.2M |
| San Diego Branch | San Diego , CA | 92130 | $98.2M |
| Orange Branch | Orange , CA | 92868 | $29.3M |
| Redlands Branch | Redlands , CA | 92373 | $14.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 113 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $876K approved, $438K 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, Mortgage lending (HMDA), Consumer complaints, 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 Pacific Bank
What are First Pacific Bank's total assets?
As of the Q2 2026 filing, First Pacific Bank reported total assets of $514.4 million in its FFIEC call report.
Where is First Pacific Bank headquartered?
It is headquartered in Whittier, CA, United States.
When was First Pacific Bank founded?
It was established in 2006, per the FDIC institution directory.
Is First Pacific Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58218). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Pacific Bank?
First Pacific Bank's primary federal regulator is the Federal Reserve.
What is First Pacific Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.75% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Pacific 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 Pacific Bank's Texas Ratio?
Its Texas Ratio is 2.29% 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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