BlastPoint's Banking Scorecard
First Commercial Bank (USA)
Community
Specialty: Commercial
CA
FDIC cert 34496
Alhambra, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
First Commercial Bank (USA) has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.42% above tier
- + Tier 1 Capital Ratio 19.43% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2% in Community
- - Margin Compression: Bottom 6% in Community
- - Cost Spiral: Bottom 49% in Community
- - Non-Interest-Bearing Deposit Share 12.39% below tier
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$835.9M
-3.5% YoY
+1.9% QoQ
|
-$555.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$704.7M
+3.8% YoY
-0.7% QoQ
|
-$270.7M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$637.9M
-0.2% YoY
+2.2% QoQ
|
-$526.7M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.02%
-22.5% YoY
-5.2% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.59%
+0.6% YoY
-0.2% QoQ
|
-0.08% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
55.10%
+14.3% YoY
+0.9% QoQ
|
-7.53% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.25%
-3.7% YoY
+0.7% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
110.49%
+4.1% YoY
-2.8% QoQ
|
+27.42% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.66%
-15.8% YoY
-4.0% QoQ
|
-12.39% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+3.6% YoY
-1.9% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
29.67%
-2.5% YoY
-1.5% QoQ
|
+19.43% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.02%
-41.0% YoY
+22.4% QoQ
|
-0.72% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
110.49%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
29.67%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Liquidity Overhang
risk
#5 of 268 · Bottom 2% 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:
29.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
110.49%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Margin Compression
decline
#8 of 120 · Bottom 6% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.02%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Cost Spiral
risk
#20 of 40 · Bottom 49% 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:
55.10%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.66%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.02%
(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
99
99th pctile
Tier 1 Capital Ratio
Current: 29.67% · Tier avg: 10.24%
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.49% · Tier avg: 83.06%
73
73th pctile
Efficiency Ratio
Current: 55.10% · Tier avg: 62.63%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
50
50th pctile
Total Loans
Current: $704.7M · Tier avg: $975.5M
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
38
38th pctile
Total Assets
Current: $835.9M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $637.9M · Tier avg: $1.2B
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 21.05%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 21.05%
32
32th pctile
Total Deposits
Current: $637.9M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $835.9M · Tier avg: $1.4B
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
50
50th pctile
Total Loans
Current: $704.7M · Tier avg: $975.5M
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 55.10% · Tier avg: 62.63%
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.49% · Tier avg: 83.06%
99
99th pctile
Tier 1 Capital Ratio
Current: 29.67% · Tier avg: 10.24%