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First Pacific Bank
Whittier, CA · FDIC Certificate #58218 · Chartered 09/1
Total assets
$514.36M
Total deposits
$420.10M
Total equity
$45.48M
Net loans
$349.66M
Branches (offices)
5
Net income (YTD)
$596.00K
Rank: #1,750 of 4,213 U.S. banks by assets · #80 of 115 in California. Assets changed 7.7% and deposits 11.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.24% |
| Return on equity | 2.64% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 8.84% |
| Tier 1 leverage ratio | 9.25% |
| Uninsured deposits (share of deposits) | 50.8% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 83.2% |
| Real estate loans (share of loans) | 79.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $279.01M | 79.8% | |
| Commercial & industrial | $68.26M | 19.5% | |
| Consumer / individual | $299.00K | 0.1% | |
| Construction & development | $31.73M | 9.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $306.32M | $258.87M | -$582.00K | $18.78M |
| Jun 2023 | $415.56M | $320.25M | -$241.00K | $34.99M |
| Jun 2024 | $430.32M | $354.23M | $376.00K | $37.31M |
| Jun 2025 | $477.55M | $378.18M | $855.00K | $39.67M |
| Jun 2026 | $514.36M | $420.10M | $596.00K | $45.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $420.10M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.10M.
Similar-sized banks
First State Bank And Trust ($514.93M) · Gulf Coast Bank ($513.67M)
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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