TellerScore

First Credit Bank (FDIC certificate #24332) is based in Los Angeles, California. Its Q2 2026 call report shows $515.8M in total assets and $265.3M in deposits and 1 office.

Based on its Q2 2026 filing, First Credit Bank scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 82nd. Its strongest component is capital cushion (100/100; 47.61%), and its lowest is loan quality (0/100; 3.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 47.61%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.33%
Earnings100/100
Return on assets (annualized): 4.37%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 150.3% · 28.6% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.41%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
637587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202466
Q4 202486
Q1 202564
Q2 202564
Q3 202564
Q4 202563
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%26.48%47.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202439.99%
Q3 202442.61%
Q4 202440.72%
Q1 202544.03%
Q2 202544.16%
Q3 202546.00%
Q4 202545.71%
Q1 202647.97%
Q2 202647.61%
Noncurrent loans
0.44%2.00%3.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20242.89%
Q4 20240.49%
Q1 20253.42%
Q2 20253.27%
Q3 20253.51%
Q4 20253.56%
Q1 20263.50%
Q2 20263.33%
Return on assets
3.65%5.12%6.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20245.86%
Q3 20246.59%
Q4 20246.05%
Q1 20254.62%
Q2 20254.86%
Q3 20255.65%
Q4 20255.89%
Q1 20263.65%
Q2 20264.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$515.8M47.61%3.33%4.37%150.3%
Q1 202664$504.7M47.97%3.50%3.65%148.4%
Q4 202563$500.5M45.71%3.56%5.89%146.0%
Q3 202564$524.1M46.00%3.51%5.65%141.5%
Q2 202564$526.2M44.16%3.27%4.86%147.1%
Q1 202564$533.5M44.03%3.42%4.62%137.0%
Q4 202486$534.3M40.72%0.49%6.05%133.1%
Q3 202466$562.3M42.61%2.89%6.59%128.6%
Q2 202487$562.7M39.99%0.44%5.86%136.2%

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 ratio47.61%
100th
Total risk-based capital49.05%
99th
Problem loans3.33%
5th
Net charge-offs0.00%
68th
Return on assets4.37%
99th
Net interest margin6.65%
99th
Efficiency ratio24.2%
100th
Loans to deposits150.3%
0th
Uninsured deposits28.6%
33rd
Loan-loss reserves2.47%
97th
Texas ratio5.4%
33rd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Chino Commercial Bank, N.A.Bank Chino, CA79 out of 100, Strong$516.7M12.5%0.49%vs
First Pacific BankBank Whittier, CA56 out of 100, Moderate$514.4M9.2%0.31%vs
New OMNI Bank, National AssociationBank Alhambra, CA53 out of 100, Below average$517.9M27.1%7.69%vs
Mega BankBank San Gabriel, CA68 out of 100, Moderate$506.7M14.4%1.61%vs
Redwood Capital BankBank Eureka, CA76 out of 100, Strong$566.0M11.0%0.13%vs
Pacific Alliance BankBank San Gabriel, CA85 out of 100, Very strong$454.4M13.4%0.16%vs

Deposit insurance

Is my money safe at First Credit Bank?

Yes. First Credit Bank is an FDIC-insured institution (FDIC certificate #24332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.6% of deposits ($75.8M) 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 47.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 49.05% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Credit Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Credit Bank
Former names
Credit Bank
Type
State-chartered bank
FDIC certificate #
24332
RSSD ID
5069
Primary regulator
FDIC
Established
February 18, 1983
Headquarters
9255 W Sunset Blvd, Los Angeles, CA 90069
Employees
25

Quick answers

First Credit Bank: common questions

Is First Credit Bank FDIC insured?

Yes. First Credit Bank is an FDIC-insured institution (FDIC certificate #24332). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Credit Bank's TellerScore?

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

Has First Credit Bank ever failed?

There is no failure record for FDIC certificate #24332 in the FDIC failed bank list.

How many branches does First Credit Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Los Angeles

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
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs