First Pacific 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.
Reserve coverage of non-performing loans climbed 55.25 percentage points in Q2 2026, from 241.81% to 297.06%. It was the largest change from Q1 2026 among the key lines here. Within California, First Pacific Bank is 100th of 114 on return on assets, 0.07% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First Pacific Bank reported 0.07% on return on assets in Q2 2026, 1.18 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.75% |
| Tier 1 risk-based capital ratio | 11.75% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 9.25% |
| Equity capital to assets | 8.84% |
| Tangible equity to tangible assets | 8.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.43% |
| Texas ratio | 2.29% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 297.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.07% |
| Return on equity | 0.76% |
| Net interest margin | 3.70% |
| Efficiency ratio | 86.98% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.00% |
| Core deposits to total deposits | 87.83% |
| Brokered deposits to total deposits | 7.15% |
| Deposits to assets | 81.67% |
| Securities to assets | 18.59% |
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 | 11.07% | 11.07% | 12.02% | 8.72% | 0.07% |
| Q4 2023 | 11.01% | 11.01% | 11.98% | 8.72% | 0.09% |
| Q1 2024 | 11.23% | 11.23% | 12.22% | 8.60% | 0.17% |
| Q2 2024 | 11.78% | 11.78% | 12.80% | 8.61% | 0.19% |
| Q3 2024 | 11.81% | 11.81% | 12.82% | 8.84% | 0.24% |
| Q4 2024 | 12.37% | 12.37% | 13.41% | 8.97% | 0.48% |
| Q1 2025 | 11.69% | 11.69% | 12.66% | 8.98% | 0.37% |
| Q2 2025 | 11.39% | 11.39% | 12.31% | 8.84% | 0.41% |
| Q3 2025 | 11.26% | 11.26% | 12.16% | 8.74% | 0.54% |
| Q4 2025 | 12.48% | 12.48% | 13.39% | 9.53% | 0.50% |
| Q1 2026 | 12.19% | 12.19% | 13.05% | 9.57% | 0.43% |
| Q2 2026 | 11.75% | 11.75% | 12.61% | 9.25% | 0.07% |
First Pacific Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58218) · FFIEC NIC profile (RSSD 3470930)