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First Commercial Bank (Usa)
Alhambra, CA · FDIC Certificate #34496 · Chartered 05/2
Total assets
$849.87M
Total deposits
$646.75M
Total equity
$195.77M
Net loans
$721.36M
Branches (offices)
8
Net income (YTD)
$4.69M
Rank: #1,193 of 4,213 U.S. banks by assets · #67 of 115 in California. Assets changed 4.2% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 4.85% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 23.04% |
| Tier 1 leverage ratio | 23.27% |
| Uninsured deposits (share of deposits) | 42.6% |
| Noncurrent loans (share of loans) | 1.05% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 111.5% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $618.99M | 85.8% | |
| Commercial & industrial | $43.64M | 6.1% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $32.59M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $853.15M | $606.93M | $4.19M | $151.33M |
| Jun 2023 | $855.61M | $586.10M | $7.21M | $165.17M |
| Jun 2024 | $863.28M | $618.20M | $5.92M | $177.26M |
| Jun 2025 | $815.35M | $620.64M | $4.45M | $186.98M |
| Jun 2026 | $849.87M | $646.75M | $4.69M | $195.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $646.75M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $646.75M.
Similar-sized banks
Freedom Bank Of Southern Missouri ($850.07M) · Pendleton Community Bank, Inc. ($849.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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