Side-by-side · Q2 2026 data
First Credit Bank vs Pacific Alliance Bank
Metric by metric
| Measure | First Credit Bank | Pacific Alliance Bank |
|---|---|---|
| TellerScore | 64 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 35 | 63 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 26th | 88th |
| Total assets | $515.8M | $454.4M |
| Deposits / shares | $265.3M | $369.2M |
| Capital ratio | 47.61% (stronger) | 13.37% |
| Problem loans | 3.33% | 0.16% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 4.37% (stronger) | 1.56% |
| Loans ÷ deposits | 150.3% | 93.0% (stronger) |
| Uninsured deposits | 28.6% | 19.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Alliance Bank has the higher TellerScore (85 vs 64). On the 6 directional measures above (where higher or lower is clearly better), First Credit Bank leads on 2 and Pacific Alliance Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.