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First Credit Bank
Los Angeles, CA · FDIC Certificate #24332 · Chartered 02/1
Total assets
$515.84M
Total deposits
$265.29M
Total equity
$241.34M
Net loans
$398.86M
Branches (offices)
1
Net income (YTD)
$11.07M
Rank: #1,748 of 4,213 U.S. banks by assets · #79 of 115 in California. Assets changed -2.0% and deposits -6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 4.37% |
| Return on equity | 9.29% |
| Net interest margin (YTD) | 6.65% |
| Equity to assets | 46.79% |
| Tier 1 leverage ratio | 47.61% |
| Uninsured deposits (share of deposits) | 28.6% |
| Noncurrent loans (share of loans) | 3.33% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 150.3% |
| Real estate loans (share of loans) | 101.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $406.42M | 101.9% | |
| Commercial & industrial | $4.05M | 1.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $90.09M | 22.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $512.50M | $297.95M | $11.61M | $208.39M |
| Jun 2023 | $560.27M | $339.17M | $16.43M | $212.55M |
| Jun 2024 | $562.69M | $321.86M | $16.79M | $231.22M |
| Jun 2025 | $526.24M | $282.36M | $12.92M | $234.58M |
| Jun 2026 | $515.84M | $265.29M | $11.07M | $241.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $265.29M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $265.29M.
Similar-sized banks
Powell Valley National Bank ($516.49M) · First State Bank And Trust ($514.93M)
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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