What is First Pacific Bank's financial health grade?

First Pacific Bank has a TFS Financial Health Grade of C- (score: 70.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Pacific Bank have?

First Pacific Bank has 5 branch locations across the United States.

Is First Pacific Bank FDIC insured?

Yes, First Pacific Bank is FDIC insured (Certificate #58218).

What are the total assets of First Pacific Bank?

First Pacific Bank has total assets of $489.1M as reported in its most recent FDIC filing.

First Pacific Bank

BankWhittier, California

www.firstpacbank.com

Total Assets

$489.1M

Total Deposits

$406.2M

Branches

Established

2006

TFS Health Grade

C-

70.4 / 100

Average financial health

How we grade

First Pacific Bank is a bank headquartered in Whittier, California, established in 2006. With $489.1M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (70.4/100).

Capital & Safety

Tier 1 Capital Ratio

9.53%(8%)

Total Capital Ratio

13.39%(10%)

Non-Performing Loan Ratio

0.38%

Profitability

Return on Assets (ROA)

0.44%(1%)

Return on Equity (ROE)

5.07%(10%)

Net Interest Margin

3.53%

Efficiency Ratio

82.78%(60%)

Lending & Liquidity

Total Loans

$319.9M

Loan-to-Deposit Ratio

77.97%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+13.00%

Deposit Growth (YoY)

+15.63%

Net Income

$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Pacific BankHQ	16011 Whittier Blvd	Whittier	CA	11
First Pacific Bank	625 The City Dr S	Orange	CA	11
First Pacific Bank	408 E State St	Redlands	CA	11
First Pacific Bank	11988 El Camino Real	San Diego	CA	11
First Pacific Bank	12070 Telegraph Rd	Santa Fe Springs	CA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.