TellerScore

First Commercial Bank (USA) (FDIC certificate #34496) is based in Alhambra, California. Its Q2 2026 call report shows $849.9M in total assets and $646.8M in deposits and 8 offices.

Based on its Q2 2026 filing, First Commercial Bank (USA) scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 51st. Its strongest component is capital cushion (100/100; 23.27%), and its lowest is funding & liquidity (20/100; 112% loans-to-deposits, 43% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 23.27%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.05%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity20/100
Loans ÷ deposits and uninsured-deposit share: 111.5% · 42.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.71%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (79 → 71), mostly because the loan quality component weakened by 27 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202481
Q1 202578
Q2 202579
Q3 202578
Q4 202578
Q1 202681
Q2 202671
Tier 1 leverage ratio
5.00%14.13%23.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202421.80%
Q3 202422.38%
Q4 202422.07%
Q1 202522.56%
Q2 202522.97%
Q3 202522.85%
Q4 202523.12%
Q1 202622.32%
Q2 202623.27%
Noncurrent loans
0.10%0.57%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.25%
Q4 20240.25%
Q1 20250.25%
Q2 20250.25%
Q3 20250.24%
Q4 20250.24%
Q1 20260.10%
Q2 20261.05%
Return on assets
1.02%1.20%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.34%
Q4 20241.31%
Q1 20251.06%
Q2 20251.07%
Q3 20251.07%
Q4 20251.02%
Q1 20261.23%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$849.9M23.27%1.05%1.10%111.5%
Q1 202681$871.6M22.32%0.10%1.23%106.8%
Q4 202578$835.9M23.12%0.24%1.02%110.5%
Q3 202578$820.4M22.85%0.24%1.07%113.7%
Q2 202579$815.3M22.97%0.25%1.07%109.2%
Q1 202578$820.1M22.56%0.25%1.06%107.8%
Q4 202481$866.4M22.07%0.25%1.31%106.2%
Q3 202481$856.2M22.38%0.25%1.34%113.1%
Q2 202481$863.3M21.80%0.26%1.37%117.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.27%
98th
Total risk-based capital30.44%
96th
Problem loans1.05%
26th
Net charge-offs0.00%
68th
Return on assets1.10%
41st
Net interest margin3.57%
31st
Efficiency ratio55.4%
71st
Loans to deposits111.5%
3rd
Uninsured deposits42.6%
8th
Loan-loss reserves1.47%
77th
Texas ratio3.7%
43rd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of San FranciscoBank San Francisco, CA68 out of 100, Moderate$863.6M10.9%0.09%vs
Endeavor BankBank San Diego, CA69 out of 100, Moderate$822.7M11.8%0.45%vs
River Valley Community BankBank Yuba City, CA65 out of 100, Moderate$793.1M8.7%0.00%vs
Mission Valley BankBank Sun Valley, CA54 out of 100, Below average$782.0M11.0%1.94%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs
Pinnacle BankBank Gilroy, CA52 out of 100, Below average$937.0M11.9%2.30%vs

Deposit insurance

Is my money safe at First Commercial Bank (USA)?

Yes. First Commercial Bank (USA) is an FDIC-insured institution (FDIC certificate #34496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.6% of deposits ($275.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 23.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.44% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First Commercial Bank (USA) lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Commercial Bank (USA) reported 70 home-loan applications under HMDA (LEI 5493008H68QG2A0MK376): 57 originated ($72,945,000 total), 3 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Commercial Bank (USA)
Former names
First Commercial Bank Taiwan; FCB Taiwan California Bank
Type
State-chartered bank
FDIC certificate #
34496
RSSD ID
2332910
Primary regulator
FDIC
Holding company
First Financial Holding Co Ltd
Established
May 20, 1997
Headquarters
200 E Main St, Alhambra, CA 91801
Employees
102

Quick answers

First Commercial Bank (USA): common questions

Is First Commercial Bank (USA) FDIC insured?

Yes. First Commercial Bank (USA) is an FDIC-insured institution (FDIC certificate #34496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Commercial Bank (USA)'s TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Commercial Bank (USA) ever failed?

There is no failure record for FDIC certificate #34496 in the FDIC failed bank list.

How many branches does First Commercial Bank (USA) have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alhambra

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs