$505M
−5.4%y/y
Percentile by value49th percentileby value
FDIC
ASSETFC
First Credit Bank
Los Angeles, CaliforniaFDIC Cert #24332
STATEEstablished 19831 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst Credit Bank reported $505M in total assets. Deposits declined 11.48% over the prior year.
Return on assets was 3.65%, compared with an asset-peer median of 1.22%. The leverage ratio was 47.97%.
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$258M
−11.5%y/y
Percentile by value3rd percentileby value
FDIC
DEP$383M
−4.1%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET3.65%
−97 bpsy/y
Peer standing99th percentile
FDIC
NETINC + ROA20.86%
−91 bpsy/y
Peer standing100th percentile
FDIC
NONIX + NIM + NONII + EEFFR47.97%
+394 bpsy/y
Peer standing100th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $441M | $235M |
| Q3 2021 | $444M | $233M |
| Q4 2021 | $484M | $278M |
| Q1 2022 | $499M | $286M |
| Q2 2022 | $512M | $298M |
| Q3 2022 | $524M | $303M |
| Q4 2022 | $581M | $360M |
| Q1 2023 | $595M | $378M |
| Q2 2023 | $560M | $339M |
| Q3 2023 | $555M | $328M |
| Q4 2023 | $578M | $350M |
| Q1 2024 | $578M | $340M |
| Q2 2024 | $563M | $322M |
| Q3 2024 | $562M | $313M |
| Q4 2024 | $534M | $300M |
| Q1 2025 | $533M | $291M |
| Q2 2025 | $526M | $282M |
| Q3 2025 | $524M | $270M |
| Q4 2025 | $501M | $259M |
| Q1 2026 | $505M | $258M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $80.8M |
| Investor CRE | $175M |
| Multifamily | $469K |
| Construction | $89.8M |
| 1–4 family | $40.9M |
| C&I | $4.1M |
| Agriculture | $4.45M |
| Other |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.65%99th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE7.74%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY6.51%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR20.86%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−11.48%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−4.10%8th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.50%4th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ47.97%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.27%14th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC108%31st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.65%95th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE7.74%45th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY6.51%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR20.86%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP−11.48%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNET−4.10%10th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.50%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ47.97%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.27%37th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC108%15th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 96%Median 254%90th 442%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.65%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.99%90th 2.27%Observations 35
ROE
FDIC
NETINC + ROE7.74%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.74%Median 7.74%90th 14.75%Observations 35
NIM
FDIC
NIM + NIMY6.51%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.19%Median 3.80%90th 4.85%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR20.86%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.32%Median 63.88%90th 83.64%Observations 35
Deposits YoY
FDIC
DEP−11.48%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −8.91%Median +4.68%90th +17.99%Observations 34
Loans YoY
FDIC
LNLSNET−4.10%15th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.23%Median +8.07%90th +13.28%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR3.50%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.21%90th 3.73%Observations 34
Leverage
FDIC
RBC1AAJ47.97%97th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.55%Median 11.87%90th 22.77%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.27%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.88%Median 3.10%90th 3.84%Observations 34
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC108%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 134%Median 274%90th 457%Observations 23
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Los Angeles, CA
FDIC
OFFDOMOpen the California dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data