First General Bank: how it compares with its peers
Against 36 CA banks with half to twice its assets, First General Bank's strongest measure in Q2 2026 is return on assets (2.31% vs. a 1.09% peer median). Its weakest relative measure is efficiency ratio (31.65% vs. 60.46%).
| Measure | First General Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.31% | 1.09% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.99% | 3.79% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 31.65% | 60.46% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.0M | $9.9M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 111.14% | 89.41% | Context |
What it means for lending operations
Its efficiency ratio of 31.65% is better than the 60.46% 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
- Commerce West Bank Irvine, CA · $1.20B
- Pacific Coast Bankers' Bank Walnut Creek, CA · $1.21B
- Provident Savings Bank, F.S.B. Riverside, CA · $1.21B
- Bank of the Orient San Francisco, CA · $1.21B
- EverTrust Bank City Of Industry, CA · $1.13B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
Questions about First General Bank
How big is First General Bank?
First General Bank, established in 2005, is headquartered in Rowland Heights, CA. It reported $1.17B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First General Bank's return on assets?
2.31% annualized in Q2 2026, against a 1.09% median for 36 CA banks with half to twice its assets, ahead of 97% of them.
What is First General Bank's efficiency ratio?
31.65% in Q2 2026: it spent about 32 cents in noninterest expense for each dollar of revenue. The peer median is 60.46%, and lower is better.
Is First General Bank growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits grew 1.7%.
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.