First Pacific Bank: how it compares with its peers
Against 39 CA banks with half to twice its assets, First Pacific Bank's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $9.3M peer median). Its weakest relative measure is efficiency ratio (85.37% vs. 62.77%).
| Measure | First Pacific Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.24% | 0.97% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.83% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.37% | 62.77% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $9.3M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.23% | 92.52% | Context |
What it means for lending operations
Its efficiency ratio of 85.37% is above the 62.77% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Credit Bank Los Angeles, CA · $516M
- Chino Commercial Bank, N.A. Chino, CA · $517M
- New OMNI Bank, National Association Alhambra, CA · $518M
- Mega Bank San Gabriel, CA · $507M
- Redwood Capital Bank Eureka, CA · $566M
- Pacific Alliance Bank San Gabriel, CA · $454M
Questions about First Pacific Bank
How big is First Pacific Bank?
First Pacific Bank, established in 2006, is headquartered in Whittier, CA. It reported $514M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Pacific Bank's return on assets?
0.24% annualized in Q2 2026, against a 0.97% median for 39 CA banks with half to twice its assets, ahead of 23% of them.
What is First Pacific Bank's efficiency ratio?
85.37% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 62.77%, and lower is better.
Is First Pacific Bank growing its loans?
Net loans grew 13.3% over the year to Q2 2026, while deposits grew 11.1%.
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.