First Commercial Bank (USA): how it compares with its peers
Against 37 CA banks with half to twice its assets, First Commercial Bank (USA)'s strongest measure in Q2 2026 is efficiency ratio (55.40% vs. a 60.49% peer median). Its weakest relative measure is assets per employee ($8.3M vs. $10.1M).
| Measure | First Commercial Bank (USA) | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.10% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.78% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.40% | 60.49% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $10.1M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 111.54% | 91.87% | Context |
What it means for lending operations
Its efficiency ratio of 55.40% is better than the 60.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of San Francisco San Francisco, CA · $864M
- Endeavor Bank San Diego, CA · $823M
- River Valley Community Bank Yuba City, CA · $793M
- Mission Valley Bank Sun Valley, CA · $782M
- American Plus Bank, N.A. Arcadia, CA · $935M
- Pinnacle Bank Gilroy, CA · $937M
Questions about First Commercial Bank (USA)
How big is First Commercial Bank (USA)?
First Commercial Bank (USA), established in 1997, is headquartered in Alhambra, CA. It reported $850M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First Commercial Bank (USA)'s return on assets?
1.10% annualized in Q2 2026, against a 1.10% median for 37 CA banks with half to twice its assets, ahead of 51% of them.
What is First Commercial Bank (USA)'s efficiency ratio?
55.40% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 60.49%, and lower is better.
Is First Commercial Bank (USA) growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.