# FIRST COMMERCIAL BANK USA
ALHAMBRA, CA · FDIC certificate 34496 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $849.9M | |
| Deposits | $646.8M | |
| Loans and leases | $732.1M | |
| Total equity | $195.8M | |
| Loans / deposits | 111.54% (p98 of band) | 82.04% |
| Liquid assets / assets | 12.53% (p10 of band) | |
| Uninsured deposits / deposits | 42.61% (p90 of band) | 25.97% |
| Brokered deposits | 5.83% | |
| Wholesale funding | 5.83% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 23.27% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -0.54% (p90 of band) | -8.10% |
| AOCI / equity | 0.01% (p81 of band) | |
| ROA (annualized) | 1.10% (p39 of band) | 1.28% |
| Net interest margin | 3.57% (p31 of band) | 3.91% |
| Efficiency ratio | 55.40% (p32 of band) | |
| Noncurrent loans | 1.05% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 140.43% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 16.65% (p21 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $8.0M (4% of equity) (p93 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 102 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 | liquid assets <10% | capital falling |
| 2012-03 | 2 |  | reserve under noncurrent |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | reserve under noncurrent | liquid assets <10% |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 4 | deposits shrinking |  |
| 2014-09 | 3 |  | deposits shrinking |
| 2014-12 | 4 | deposits shrinking |  |
| 2015-03 | 3 |  | deposits shrinking |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | charge-offs p90 |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 2 |  | uninsured deposits >50%, run vulnerability |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | liquid assets <10% |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | wholesale funding >15% | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 3 | liquid assets <10% |  |
| 2021-12 | 2 |  | liquid assets <10% |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2022-09 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | wholesale funding >15% |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2015-11-13 [Sale of Citizens Bank leaves 44 foreign-owned banks that are FDIC-insured - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdkFBNGxOM3pxTmtLcGhxVnJIVEtyYjVGcmRKd0IyRVhjYnR6bnBYdmtWU2MzalZnSWwyTXVBdkM2ZXRiVmVUSkZ4dGtEWTJ3Nm5hcndSV2laNW4yd012OEVFZTNXVEdjVGtNQ1VabnM0ZWVYWVlWYUZCaGxFNTZnbXJYQi0?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34496 (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/0.json (key "34496", 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