# FIRST PACIFIC BANK
WHITTIER, CA · FDIC certificate 58218 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $514.4M | |
| Deposits | $420.1M | |
| Loans and leases | $352.9M | |
| Total equity | $45.5M | |
| Loans / deposits | 83.23% (p53 of band) | 82.04% |
| Liquid assets / assets | 28.55% (p60 of band) | |
| Uninsured deposits / deposits | 50.84% (p95 of band) | 25.97% |
| Brokered deposits | 5.84% | |
| Wholesale funding | 14.40% (p86 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 9.25% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -29.49% (p13 of band) | -8.10% |
| AOCI / equity | 0.07% (p84 of band) | |
| ROA (annualized) | 0.24% (p6 of band) | 1.28% |
| Net interest margin | 3.65% (p35 of band) | 3.91% |
| Efficiency ratio | 85.37% (p93 of band) | |
| Noncurrent loans | 0.31% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 297.06% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 69.77% (p71 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 | capital falling | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | losing money | capital falling |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | capital falling |
| 2018-06 | 0 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | capital falling, NIM <2.5% |  |
| 2021-12 | 4 | leverage <7%, expense ratio p90 |  |
| 2022-03 | 5 | securities losses >30% of equity, losing money | capital falling |
| 2022-06 | 4 |  | NIM <2.5% |
| 2022-09 | 3 |  | leverage <7% |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | capital falling | losing money |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | uninsured deposits >50% | expense ratio p90, wholesale funding >15% |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | wholesale funding >15%, capital falling | uninsured deposits >50% |
| 2025-12 | 1 | uninsured deposits >50% | securities losses >30% of equity, wholesale funding >15%, capital falling |
| 2026-03 | 2 | expense ratio p90 |  |
| 2026-06 | 2 |  |  |

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

- 2026-08-19 [First Pacific Bank Announces CFO Retirement and Transition Plan - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPOUstTll6WWFjYjNXZEFiT2ZJNmFrNWRua1lLai13WFAwb1lObkpNTk91UU1SbEQ5YVh2czBhNVkwUGxKaHNUdzdWaG0wMXhoRjlIME9KaEk5MHNnb0pIaXBnd0NTZGQyQU9WX1AyTkpQUU1JUzJsYS1tZzRtYVhlOWk3RUhoWEFkUTRwdE5FcFJ5allLRUdVblgxM1VZdw?oc=5) · Yahoo Finance
- 2024-09-24 [First Pacific Bank expands its instant payments offerings with Finastra, driving growth - Electronic Payments International](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNUmw2QUR4eFFtRXpYVjRxTFhxTW1PR202VHM0WE5VRlVGTDFsSDl6RlFQOF9yWWFEOE9NUW1iNW5RbDBZemhrODRSaGx1NkdxeEV2dGRQRVRYd1R5Z2ktOGQtUGZ0TDdiOVFMSXNfakRqRWVsZ0doMzh5Y0txTnppb3FyYU5lNFE5bDE3ODNSQVdjeTZ6NkpndFhMOERPb3FRTjI5bExBeERIUjBXWjZEckQyRUthdW44WmQtZmVqRElRNTZiUjZHVnlwcUU4Z3ZhNWxoNzMtZw?oc=5) · Electronic Payments International
- 2025-09-29 [What bankers have been up to since the Fed’s latest rate cut - marketplace.org](https://news.google.com/rss/articles/CBMipwFBVV95cUxPY3Uzdkp5cFJQb0JVOG9XenhHYTNHZE4xV2phbUQwY2NIY1lfZUpqX2tmR0hzelB6RUo2X2ZFckN2aWxLbXp2NnlFRmhJRHNCOFJ6T0F3bHVsTVBBRlVlUFE0Y1Y5TUcxeTdoMWc5YWdxMzdtbklqU0txVmNYUEFzNHR5dURTYWhXYVUyLWVmYi1YN1dnOXhsSldmNmRyMEdTUEFiSEpLOA?oc=5) · marketplace.org
- 2026-03-12 [First Pacific Bank Names Craig Misrach Executive Vice President and Chief Banking Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQeG15eFRBZzM1X2JnendsbGRRUk84S2ZXcHJUcXh1ME9yNmgzbUd3aDNCbmNGblVKZzd5eWZHaWZiSmJoNkt6NnZidWZEckFNM0YxWnRhdjgzaGpHMmMwS0c4elpSaWVBNzJoQXJaSTk5WlNtQ1dPRG9QNWtRSzR0OGI3NUdHd0hPQmstTDBaOHhhdElXQ3hhcnFWLWdmZHBRcGRYeE5hZF9IQm54QTNLRENSNGEzSlFoZXlqQUl2eWpfUUtEbkpLbEdxWlpFR2hHMC1KRnVKWEEtQjF2bURtNVU5QkVkeEtKNnRkV25fZFk0LXExWEJGaQ?oc=5) · GlobeNewswire
- 2026-05-08 [First Pacific Bancorp Reports Solid First Quarter 2026 Results - GlobeNewswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOa2dlWkZwX2M4TVdGWUh2RVE0Y1BFUElkaWdKVnRLWE5MdGxQWE5kcW5kdlcySDJYSm1hWk1zYXF0S1laUUdYdkVBVDF3N29zMXpnYk54b2NSOWQ1YjByMmV0NjBBSFpIMTA4ZktkSEdyZF85cUZiUGRDc0I2TjhQWFVoY0treDMxMkRQSkJ5ZlpWdW1JdkVHSjdwOWN5NEZGNl8zVXJ5amtReUdVN2ZNZ3U2R2JsTFVlV3Q5WF9hbDhJQjZDTTdIcGU0TDQxdVdjeDEyRQ?oc=5) · GlobeNewswire
- 2015-11-25 [Bank manager has been serving Valley Center for 35 years - Valley Roadrunner](https://news.google.com/rss/articles/CBMimwFBVV95cUxPQnZlWTY0dU9fWFNvT0FGU3h6cUtEUXBZajRPMmlrSUZuTm1Pb0hTVTd1ZG5fSlFndVZ1Z2EyY0k0ZHVxUmhrMXJtWmVLcXhYWGhGZ3hPdkNsT0JPR29XY1dwWU9ESHR4bEFCTkNZdldlWndpNm5FaHQ2WHgwQjRCaVU4NFVLYjh0Um1SRHlJbFBTakZQS3o3VXhscw?oc=5) · Valley Roadrunner
- 2025-01-13 [When disasters like the California wildfires strike, what options do property loan borrowers have? - marketplace.org](https://news.google.com/rss/articles/CBMiugFBVV95cUxNb0dXVjV4S2Nsa09GQnh3aVFBVDVjMFJJX25hSW5DTmhJZWoybm5vUWVNWDkwS0FCNHMweU5aLXptM1d2dHZnM1RzTHFfYktaRUs2bFdtQ0p0SlowM0hORlZMOE5QeVZqY2xSQ0JBbUJGci1XYXYza0lLakhmSXNUU0p4QmpVYlBZcnlibGlaMnVoVEJqVWZGVkxXV2h5OFdDbDBjXzJ6WHNLY1R5Um5Gc3Fud3EyMWJaVHc?oc=5) · marketplace.org
- 2021-10-18 [Harvey Williamson Obituary (1933 - 2017) - San Marcos, CA - San Diego Union-Tribune - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNMlhKZDZ5ZlVXMjR2ajhVZzZUSFpFSllfSkFweFFMOExMMDFqZGZOWHJia1JKTzFLVHNYYUI2WDRJOFd0MmNWbmEtekJKM3ZwZkl3RkxTb0pfQ2NnSDVrS29Ra3ZNM2JDVjZoT2o5bEV2ekNiUXFwejlBUzg1MWQ1SkFfdlBFMmhaNjlVWktRWkRwZnV2UHFNVXZkc0FFX1R2OGRB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58218 (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/42.json (key "58218", 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