First Pacific Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Pacific Bank of Whittier, CA against its peer group of 2603 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 | 0.07% | 1.35% | -1.28% | 5th bottom |
| ROAE | 0.76% | 13.33% | -12.57% | 5th bottom |
| Net Interest Margin | 3.70% | 3.93% | -0.23% | 37th below |
| Efficiency Ratio | 86.98% | 61.12% | +25.86% | 8th bottom |
| PPNR / Avg Assets | 0.48% | 1.68% | -1.20% | 8th bottom |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.87% | 1.88% | -0.01% | 45th below |
| Net Interest Spread | 2.73% | 3.32% | -0.59% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.94% | -0.63% | 57th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans | 0.43% | 0.16% | +0.27% | 7th bottom |
| ACL / Total Loans | 0.92% | 1.28% | -0.36% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 297.06% | 1546.80% | -1249.74% | 59th above |
| Texas Ratio | 2.29% | 7.34% | -5.05% | 60th above |
| Provision / NCO | 126.90% | 1395.83% | -1268.93% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.75% | 19.49% | -7.74% | 15th bottom |
| Tier 1 Ratio | 11.75% | 19.52% | -7.77% | 14th bottom |
| Total Capital Ratio | 12.61% | 20.61% | -8.00% | 12th bottom |
| Leverage Ratio | 9.25% | 12.14% | -2.89% | 16th bottom |
| Equity / Assets | 8.84% | 11.37% | -2.53% | 25th below |
| TCE / Tangible Assets | 8.63% | 11.08% | -2.45% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.00% | 80.66% | +3.34% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.83% | 86.85% | +0.98% | 43rd below |
| Wholesale Funding Ratio | 8.55% | 5.03% | +3.52% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.71% | 6.84% | +0.87% | 74th above |
| Loan Growth (Y/Y) | 13.15% | 7.92% | +5.23% | 83rd top |
| Deposit Growth (Y/Y) | 11.08% | 6.29% | +4.79% | 86th top |
See First Pacific Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Pacific 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 Pacific Bank profile, how to read a UBPR, or how this data updates.