# FIRST CREDIT BANK
LOS ANGELES, CA · FDIC certificate 24332 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $515.8M | |
| Deposits | $265.3M | |
| Loans and leases | $409.0M | |
| Total equity | $241.3M | |
| Loans / deposits | 150.35% (p100 of band) | 82.04% |
| Liquid assets / assets | 13.74% (p13 of band) | |
| Uninsured deposits / deposits | 28.58% (p61 of band) | 25.97% |
| Brokered deposits | 20.17% | |
| Wholesale funding | 20.17% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 47.61% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -0.39% (p92 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 4.37% (p99 of band) | 1.28% |
| Net interest margin | 6.65% (p99 of band) | 3.91% |
| Efficiency ratio | 24.19% (p1 of band) | |
| Noncurrent loans | 3.33% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 74.24% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 37.33% (p44 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.0% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent | loans exceed deposits |
| 2011-09 | 5 | loans exceed deposits, noncurrent p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2012-06 | 6 |  |  |
| 2012-09 | 7 | loans exceed deposits |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 5 |  | wholesale funding >15%, loans exceed deposits |
| 2013-06 | 4 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 4 |  |  |
| 2013-12 | 5 | wholesale funding >15%, capital falling | assets shrinking |
| 2014-03 | 3 |  | deposits shrinking, capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2015-06 | 5 |  | deposits shrinking |
| 2015-09 | 6 | capital falling |  |
| 2015-12 | 5 |  | capital falling |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | capital falling |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 5 |  | capital falling |
| 2017-06 | 4 |  | wholesale funding >15% |
| 2017-09 | 5 | assets shrinking |  |
| 2017-12 | 6 | deposits shrinking |  |
| 2018-03 | 6 |  |  |
| 2018-06 | 5 |  | brokered >10% |
| 2018-09 | 5 | brokered >10%, capital falling | assets shrinking, deposits shrinking |
| 2018-12 | 4 | charge-offs p90 | loans exceed deposits, capital falling |
| 2019-03 | 6 | loans exceed deposits, wholesale funding >15%, deposits shrinking | charge-offs p90 |
| 2019-06 | 5 |  | wholesale funding >15% |
| 2019-09 | 6 | assets shrinking |  |
| 2019-12 | 7 | charge-offs p90 |  |
| 2020-03 | 3 |  | brokered >10%, deposits shrinking, assets shrinking, charge-offs p90 |
| 2020-06 | 6 | brokered >10%, deposits shrinking, assets shrinking |  |
| 2020-09 | 5 |  | brokered >10% |
| 2020-12 | 4 | brokered >10% | deposits shrinking, assets shrinking |
| 2021-03 | 3 | wholesale funding >15% | noncurrent p90, reserve under noncurrent |
| 2021-06 | 4 | uninsured deposits >50%, noncurrent p90 | wholesale funding >15% |
| 2021-09 | 4 | reserve under noncurrent | uninsured deposits >50% |
| 2021-12 | 5 | wholesale funding >15%, charge-offs p90 | reserve under noncurrent |
| 2022-03 | 5 | capital falling | charge-offs p90 |
| 2022-06 | 6 | uninsured deposits leaving |  |
| 2022-09 | 5 |  | uninsured deposits leaving |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 | reserve under noncurrent | capital falling |
| 2023-09 | 4 |  | reserve under noncurrent |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | charge-offs p90, deposits shrinking | noncurrent p90 |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 | noncurrent p90 | charge-offs p90, deposits shrinking |
| 2024-12 | 5 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2025-03 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 6 |  | reserve under noncurrent |
| 2025-09 | 7 | reserve under noncurrent |  |
| 2025-12 | 7 |  |  |
| 2026-03 | 7 |  |  |
| 2026-06 | 6 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-09 [Website CALFCB.COM is Fraudulently Posing as California-based, FDIC-regulated “First Credit Bank” - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMivgFBVV95cUxPNXdCRzc1ZTdDQi12Qm1OcXk0MERhamlxeUJVRnJhMTBvMU1oaHk2QlR0bW5HMDdmbHJrMjFaQ1lKU2VDZVNOanl3T3I0N1pTSGZPRjNfUS1aLW5LR3NUZlpJdXUzVElUcnRaQXdVUUZBLTNvbWNMWFFoYWpWSjZYNmNjNVFWTExuS25RbGhVTDFtNkJaTDZGZmhZYVpGVkZrYUMzbGxTR2hTMlpxVWU4OWRoaG1JQUxzRHlhWlh3?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2021-10-04 [LA-Based Banks Outpace National Banks in Profits - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE5vYTl1Ym11cktpX0YyLVkwRFFqNVBUcHFabHVLZFF3Y2ZVUl9RcFpGandZUk1MMU5JZm5jckVuc05IV1AtR21LV0s5TEFPX08wa2tIWjMyaWdHSW5jeG1EZHgxMGFCM21Samt6dzBWN1BNbzhIWkwtOS03cw?oc=5) · Los Angeles Business Journal
- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker
- 2025-12-23 [News report: West Sub owners in legal disputewith Pipeline, a previous owner - Forest Park Review](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNR21pNDhYNEhLaGtBS0k2OHNOeFR6dHk1dG5tQXJsXzJMSmxGLXVCRXRHQk5sVHVLQjFWa0t6aXdzRmdhM3BEXzdGQTVCd250Vy1qZktBWkNjQlA1VGdmOUdZZndKWGdwS0hCQnExSjdJQkFFaU1BWWJ3Y093d0xLMTFZRGNIUnNLbTdxLWlyREVJcmFDZXE4a3o4ZURmQUNXLWZSazdNOWwzMGR2MHVOTzJMRVJWMDVBVDhN?oc=5) · Forest Park Review
- 1983-05-28 [The Commercial Bank of California has been closed because... - upi.com](https://news.google.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?oc=5) · upi.com
- 2025-05-22 [Justin Bieber’s LA Outing Ends With Parking Ticket Amid Rumors - Yahoo](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcGNWYkdQSExOQnVObl9Ud1cwZktFbDJZR1A4akN6X3lXb1hmZFV2MFBKdjhDTGxPSVg5SXJzWVU1VkwwQ3U1VFo1MXdqRVFDdUlWWURBdWx0SHE2THZ6R05ROVFNOHdYR3l6OXRyLXVmOHN4V3I4U0lYekpPV1o4UUU0Y0lHdzZkNkpjaW9DZzNxZw?oc=5) · Yahoo
- 2023-01-07 [Janet Ellen Leslie DiDomenico - Legacy obituary](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRW5zYUY3d0lGZllQdzY5MHU4cDFVRTM5MklaUkY3NHdWLURiaXpUM0hyUGx2SGJrRnIyZmFNWThJZUpiSlRfcHdNT0k0bm5TSHRjTWZxd3BHOE94QTlhdDRLdTJOSlRjZ3FoSWJVeWhtYWg0OEZWNzh2MHBNeWRnRS0wVFZyY2VzUWRfVVhmRXZfd0dGUmJBY2YzRWxHM19DWDdxU01B?oc=5) · Legacy obituary
- 1983-10-06 [BULLION RESERVE'S LINKS TO FAILED BANK EXPLORED (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxNakQtMTA4RHhuLVYyNzRhUmhFMFVrTlFnQWdYUnZHa25RUE1BNmR2bjNVeEExaDl3Mk1wR1lGalgyZmtNYUJ6eVJDRm5EdGxqWWJvelFfUExWRmFiNlExQWxVOWJpdzJsS08xS21GZUdCOW8wTW1WMDAzNmRNa3JESjFSQ0p3Vzg5LXpTNWQ1N3hfbDFZYk5ORHpKOGE?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24332 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "24332", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide