# FIRST GENERAL BANK
ROWLAND HEIGHTS, CA · FDIC certificate 58060 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.17B | |
| Deposits | $837.8M | |
| Loans and leases | $944.2M | |
| Total equity | $303.1M | |
| Loans / deposits | 111.14% (p96 of band) | 87.10% |
| Liquid assets / assets | 17.09% (p33 of band) | |
| Uninsured deposits / deposits | 47.61% (p88 of band) | 30.76% |
| Brokered deposits | 0.85% | |
| Wholesale funding | 0.85% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 26.29% (p98 of band) | 10.50% |
| Unrealized securities loss / equity | -0.45% (p93 of band) | -7.75% |
| AOCI / equity | -0.02% (p72 of band) | |
| ROA (annualized) | 2.31% (p94 of band) | 1.26% |
| Net interest margin | 4.99% (p95 of band) | 3.70% |
| Efficiency ratio | 31.65% (p4 of band) | |
| Noncurrent loans | 1.83% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 75.85% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 22.52% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | noncurrent p90 |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | noncurrent p90 |
| 2014-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2015-03 | 2 | loans exceed deposits |  |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-12 | 2 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 0 |  | liquid assets <10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | brokered >10% |  |
| 2019-06 | 2 |  | brokered >10% |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | wholesale funding >15% |  |
| 2021-03 | 2 |  | wholesale funding >15% |
| 2021-06 | 4 | brokered >10%, wholesale funding >15% |  |
| 2021-09 | 2 |  | liquid assets <10%, wholesale funding >15% |
| 2021-12 | 4 | wholesale funding >15%, capital falling |  |
| 2022-03 | 2 |  | wholesale funding >15%, capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | wholesale funding >15%, uninsured deposits leaving | brokered >10%, assets shrinking |
| 2023-06 | 4 | assets shrinking | wholesale funding >15% |
| 2023-09 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | charge-offs p90, assets shrinking |  |
| 2024-06 | 2 |  | loans exceed deposits, assets shrinking |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 1 | loans exceed deposits |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | noncurrent p90 |

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

- 2024-07-24 [First General Bank Review - Business Insider](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZGRRVUlSZ2RGckdqVGdWeVhJdHBRUGx4LURTeUs0NnNITllvbmVBTHZKV1IwcGZDNGFUaVB2LTFBQzF2VzZSRVp5Vk1LUEU5ZnFBRWxXWnJoQlg3UEpXUW1FY2tELVNIcGxmTV9PZnYwMTZuMDAxN2JqR2p2QWlCbUZTRnJrdElFZUE?oc=5) · Business Insider
- 2024-12-18 [Los Angeles County Sheriff's Department. . Yesterday, Walnut/Diamond Bar Sheriff's Station hosted its annual "Shop with A Cop" event. 🎄🎁 Thanks to the generosity of First General Bank of Rowland Heights, 7 families were given an opportunity to shop at Wal - facebook.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNYXJTa3p6WloxV0FwVW8wcTN0amVtSjlDWWJBSXJ5aHJLUHA0aWswc2RpZ0lKUGFCTlhuZ0sxTXVwbE5VUkZIN2M5NjMtRkN0Y0lKMGxTSFJfWWlQaFBfcDJDcFJWWWFiWTQ1dVN3aVBRaVQzTjZDYU1TempYMXZDQVBCZGxMNWdpYVVhd2JHMDBVcDFTbGlic3NndUp2SnhIaW9jZXFUZno3MWdrUi04QkQ0cV9ETTJXb3NyT2RCVWRfNmVlUWpwS245c2dnOWRMMDFucFVzM0RBRHZZSlVSTnNHX0ZGZGs4NVppSkt3T2dUYlVfOGt3Mw?oc=5) · facebook.com
- 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
- 2019-07-22 [UCLA receives $1 million to strengthen Taiwan Studies Program - Newsroom | UCLA](https://news.google.com/rss/articles/CBMiekFVX3lxTE9zOGxaUTJiQjc1WS1QdnVaYzRVM0xlUXFiazBxS0tHRVUwVHo5ai00X0d3MG9ycTJOSHp0NHJmOWg1c0hjM0hXYS12SXdBMy0xcjBUX0FJejVRVUo1Ykc4cnNJVy1TZGZJNlA0RjlvbmlQbUNmZ1Y3LW1B?oc=5) · Newsroom | UCLA
- 2017-01-07 [What the Top 200 Publicly Traded Community Banks Do Better Than Peers - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQmg0ZzR5SUwtNktiU0Z4TUEtWGdKbHBEUWJfU1hVRWJWODBVNUZnTVl0UEd1Y0xsWHNTdTI2d1NfSkhCQnlxZi1EQkpDZDF4WEd6eE0wem5QOHhYTWw4QWVkOXdTVGJ5MW5BclYySjZTVDAxcGVKY2RRYlA2UUdoc2VqQTBpWXJCMmpYeG41WFhTUEtoYW9tekhyalV5cXJjdHQ3MUZZQm0?oc=5) · American Banker
- 2020-07-19 [Westfield Santa Anita rings in Year of the Pig — Events - Asian Journal News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSDRwWEtaR1VoMlFqLVNSNGZvR3hyRXlkbjdrQ3lva1QxZ29pbEhNdW1fYXFua3BKZ29NblNvam1INktfODB1T2R3MU5oWWhKdFFIOUhEZ0NUaVZOQmpVY2xqaERRczB5aFhVYmRnZTktZGRsR2FrTzlmOGdpNTJLRE91WlR2TVdCSmJIc1U1ZW9zTkhEZkRwTw?oc=5) · Asian Journal News
- 2023-07-08 [PPP Loans: Lender List and Requirements - SmartAsset](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5JM015SVgxMnVrSXlyYThNTlQtTl9KTjBwU2otRHJiRGdwRUhtVnZJWVhwcmVLNEs3SVJiU1AzQUVLTFR4eGxtMkdOTHRidmUxd0l5dld2bnRpQ2RLOHVDcV85ZldLeTRq?oc=5) · SmartAsset
- 2024-11-20 [Partners Federal Credit Union Review 2024 - Business Insider](https://news.google.com/rss/articles/CBMimAFBVV95cUxNN0VLdWVWX0lwSWp6VDltZ3BYMGZ0NHowYWt6LUhQOXZ2ZnB4SkF3MWhkVVJ1aXFhQVB6Rm9pTFVjLVp2R0JHMFh4T0VlSFlTRER3R2hOQXg0U01odW1zVTl0bS0xSk1ldjBQS09FcjFaM0xvbWtfN0ZlMXc5ZEUxYlFWbkRLZDRfQ3VNbGZJajRhTkNOb1dUTw?oc=5) · Business Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58060 (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 "58060", 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