BlastPoint's Banking Scorecard
First Credit Bank
Community
Specialty: Commercial
CA
FDIC cert 24332
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
First Credit Bank has 4 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 4.73% above tier
- + Net Interest Margin 3.22% above tier
- + Efficiency Ratio 43.85% below tier
- + Tier 1 Capital Ratio 38.82% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Community
- - Deposit Outflow: Bottom 10% in Community
- - Cost Spiral: Bottom 13% in Community
- - Liquidity Strain: Bottom 22% in Community
- - Capital Constraint: Bottom 98% in Community
- - Delinquency Rate 3.02% above tier
- - Nonperforming Asset Ratio 2.26% above tier
- - Non-Interest Income / Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$500.5M
-6.3% YoY
-4.5% QoQ
|
-$890.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$378.6M
-5.2% YoY
-1.0% QoQ
|
-$596.9M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$259.4M
-13.5% YoY
-4.0% QoQ
|
-$905.2M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
5.89%
-2.7% YoY
+4.3% QoQ
|
+4.73% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.89%
-11.9% YoY
-1.5% QoQ
|
+3.22% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
18.78%
+44.3% YoY
-2.0% QoQ
|
-43.85% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
3.65%
+624.6% YoY
+0.8% QoQ
|
+3.02% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
145.96%
+9.6% YoY
+3.1% QoQ
|
+62.90% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.68%
-4.4% YoY
+13.2% QoQ
|
-6.37% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
2.76%
+633.4% YoY
+4.5% QoQ
|
+2.26% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
49.07%
+11.2% YoY
-1.2% QoQ
|
+38.82% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.04%
-71.1% YoY
+75.4% QoQ
|
-0.70% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
5.89%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.89%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
18.78%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
49.07%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (8)
Liquidity Overhang
risk
#1 of 268 · Bottom 1% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
49.07%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
145.96%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Deposit Outflow
decline
#25 of 248 · Bottom 10% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#6 of 40 · Bottom 13% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
18.78%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Liquidity Strain
risk
#116 of 513 · Bottom 22% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
145.96%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#46 of 47 · Bottom 98% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
145.96%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
49.07%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.65%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.76%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 5.89% · Tier avg: 1.16%
100
100th pctile
Tier 1 Capital Ratio
Current: 49.07% · Tier avg: 10.24%
100
100th pctile
Efficiency Ratio
Current: 18.78% · Tier avg: 62.63%
99
99th pctile
Net Interest Margin
Current: 6.89% · Tier avg: 3.66%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.68% · Tier avg: 21.05%
12
12th pctile
Total Loans
Current: $378.6M · Tier avg: $975.5M
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
0
0th pctile
Loan-to-Deposit Ratio
Current: 145.96% · Tier avg: 83.06%
0
0th pctile
Total Deposits
Current: $259.4M · Tier avg: $1.2B
0
0th pctile
Total Assets
Current: $500.5M · Tier avg: $1.4B
0
0th pctile
Delinquency Rate
Current: 3.65% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.65% · Tier avg: 0.63%
0
0th pctile
Total Assets
Current: $500.5M · Tier avg: $1.4B
0
0th pctile
Total Deposits
Current: $259.4M · Tier avg: $1.2B
0
0th pctile
Loan-to-Deposit Ratio
Current: 145.96% · Tier avg: 83.06%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
12
12th pctile
Total Loans
Current: $378.6M · Tier avg: $975.5M
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.68% · Tier avg: 21.05%
99
99th pctile
Net Interest Margin
Current: 6.89% · Tier avg: 3.66%
100
100th pctile
Efficiency Ratio
Current: 18.78% · Tier avg: 62.63%
100
100th pctile
Tier 1 Capital Ratio
Current: 49.07% · Tier avg: 10.24%
100
100th pctile
Return on Assets
Current: 5.89% · Tier avg: 1.16%