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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Whittier, CA · FDIC certificate #58218
FIRST PACIFIC BANK is an FDIC-insured institution based in Whittier, CA (FDIC certificate #58218). In its Q3 2026 Call Report it reported total assets of $531M, total deposits of $449M and net loans of $358M. Its primary federal regulator is FED.
Plain-language readout
FIRST PACIFIC BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $531M in Q3 2026 and were lowest at $490M in Q1 2026.
Total deposits were highest at $449M in Q3 2026 and lowest at $410M in Q1 2026.
Over the whole period total assets rose 8.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $531M | $449M | $358M | 0.30% | 3.34% | 3.66% |
| Q2 2026 | $514M | $420M | $350M | 0.24% | 2.64% | 3.65% |
| Q1 2026 | $490M | $410M | $328M | 0.42% | 4.54% | 3.67% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.2M | $6.7M | +$440K | +6.5% |
| Federal funds sold | $44.1M | $40.8M | +$3.3M | +8.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $95.6M | $96.8M | -$1.2M | -1.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $349.7M | $327.9M | +$21.7M | +6.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $3.0M | -$196K | -6.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.2M | $1.2M | -$11K | -0.9% |
| All other assets | $13.9M | $13.5M | +$406K | +3.0% |
| Total assets | $514.4M | $489.8M | +$24.5M | +5.0% |
| Liabilities | ||||
| Total deposits | $420.1M | $409.8M | +$10.3M | +2.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $44.0M | $30.0M | +$14.0M | +46.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.8M | $4.8M | -$67K | -1.4% |
| Total liabilities | $468.9M | $444.6M | +$24.2M | +5.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $16.0M | $16.0M | $0K | 0.0% |
| Surplus | $24.9M | $24.8M | +$167K | +0.7% |
| Retained earnings | $5.1M | $5.1M | +$85K | +1.7% |
| Accumulated other comprehensive income | -$544K | -$567K | +$23K | +4.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.5M | $45.2M | +$275K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.5M | -$455K | -29.5% |
| Adjusted nonperforming assets | $1.1M | $1.5M | -$455K | -29.5% |
| Tangible equity plus allowance | $47.5M | $47.1M | +$415K | +0.9% |
| Texas ratio (gross) | 2.29% | 3.27% | -0.99 pts | See points |
| Texas ratio (adjusted) | 2.29% | 3.27% | -0.99 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.29% | 3.27% | -0.99 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.75% | 12.19% | -0.43 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.75% | 12.19% | -0.43 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.85% | 0.86% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.61% | 13.05% | -0.44 pts | See points |
| Tier 1 leverage (approximate) | 9.25% | 9.57% | -0.32 pts | See points |
| Construction and land loans to total capital | 65.69% | 59.51% | +6.18 pts | See points |
| Commercial real estate to total capital | 243.20% | 241.35% | +1.85 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.80% | -30.15% | +0.35 pts | See points |
| Liquidity | ||||
| Core deposits | $369.0M | $365.5M | +$3.5M | +1.0% |
| Non-core funding | $95.1M | $74.3M | +$20.8M | +28.0% |
| Loans to core deposits | 95.63% | 90.57% | +5.06 pts | See points |
| Loans to deposits | 84.00% | 80.78% | +3.22 pts | See points |
| Brokered deposits share of deposits | 7.15% | 5.68% | +1.47 pts | See points |
| Pledged securities share of securities | 98.40% | 98.35% | +0.05 pts | See points |
| Loans pledged, share of loans | 63.70% | 69.53% | -5.83 pts | See points |
| Volatile liabilities | $102.7M | $81.9M | +$20.8M | +25.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $716K | +$585K | +81.7% |
| Earnings before provision, single quarter | $585K | $716K | -$131K | -18.3% |
| Provision for credit losses, year to date | $470K | $0K | +$470K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.60% | 6.57% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.27% | +0.33 pts | See points |
| Total interest income to average assets | 5.28% | 5.23% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.30% | 0.27% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.76% | 2.73% | +0.02 pts | See points |
| Cost of time deposits | 3.93% | 4.03% | -0.10 pts | See points |
| Total interest expense to average assets | 1.71% | 1.61% | +0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $531M | $449M | $358M | 0.30% | 3.34% | 3.66% |
| 2026-06-30 | $514M | $420M | $350M | 0.24% | 2.64% | 3.65% |
| 2026-03-31 | $490M | $410M | $328M | 0.42% | 4.54% | 3.67% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $378.2M | 0.02% | 121 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.