Side-by-side · Q2 2026 data
First Credit Bank vs First Pacific Bank
Metric by metric
| Measure | First Credit Bank | First Pacific Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 0 | 90 (stronger) |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 35 | 37 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 26th | 13th |
| Total assets | $515.8M | $514.4M |
| Deposits / shares | $265.3M | $420.1M |
| Capital ratio | 47.61% (stronger) | 9.25% |
| Problem loans | 3.33% | 0.31% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 4.37% (stronger) | 0.24% |
| Loans ÷ deposits | 150.3% | 83.2% (stronger) |
| Uninsured deposits | 28.6% (stronger) | 50.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Credit Bank has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Credit Bank leads on 5 and First Pacific Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.