BlastPoint's Banking Scorecard
First Pacific Bank
Micro
Specialty: Commercial
CA
FDIC cert 58218
Designations: ✓ Community bank
Whittier, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
First Pacific Bank shows strong momentum with 1 strength and 13.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.13% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$489.1M
+13.0% YoY
+0.7% QoQ
|
+$271.6M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$316.7M
+15.5% YoY
-0.0% QoQ
|
+$177.6M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$406.2M
+15.6% YoY
+4.1% QoQ
|
+$222.6M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.44%
+65.8% YoY
+3.1% QoQ
|
-0.65% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.53%
+2.8% YoY
+0.5% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
82.78%
-7.3% YoY
+0.0% QoQ
|
+15.05% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.38%
+54.6% YoY
+4.5% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
77.97%
-0.1% YoY
-4.0% QoQ
|
+3.45% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
39.53%
+5.1% YoY
+12.9% QoQ
|
+17.13% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+58.0% YoY
+3.7% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.48%
+0.9% YoY
+10.9% QoQ
|
+3.63% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.13%
-27.8% YoY
+60.7% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.53%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
Total Assets
Current: $489.1M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $406.2M · Tier avg: $183.7M
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.53% · Tier avg: 22.39%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.97% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
16
16th pctile
Efficiency Ratio
Current: 82.78% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 82.78% · Tier avg: 67.73%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.97% · Tier avg: 74.53%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 8.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.53% · Tier avg: 22.39%
95
95th pctile
Total Loans
Current: $316.7M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $406.2M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $489.1M · Tier avg: $217.5M