Total Assets
$836M
Total balance-sheet footings
FDIC Cert #34496 · Alhambra, California · Est. 1997
First Commercial Bank (USA) - FDIC Bank Health Profile
A community-scale look at First Commercial Bank (USA)'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $836M
- Total assets
- A
- Health grade · Excellent
- 1.02%
- Return on assets
- 29.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Commercial Bank (USA) earns a PlainBankData health grade of A (92/100), with well-capitalized at 29.67% Tier 1, profitable at 1.02% ROA, efficient (55% cost ratio).
- #1,218
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 29.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Commercial Bank (USA)'s 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Commercial Bank (USA)'s composite health score
Tier 1 Capital Ratio (29.67%) 40/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (0.86%) 20/20
Efficiency Ratio (55.10%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$638M
Customer-funded liabilities
Net Loans
$705M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Commercial Bank (USA) ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Commercial Bank (USA)'s score of 92/100 falls in the highlighted band.
First Commercial Bank (USA)'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Commercial Bank (USA)'s $836M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
29.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
29.67%
Texas Ratio
0.86%
Equity Capital
$191M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.02%
Return on Equity (ROE)
4.53%
Efficiency Ratio
55.10%
What the numbers say about First Commercial Bank (USA)
First Commercial Bank (USA) is an FDIC-insured institution (Certificate #34496) headquartered in Alhambra, California, established in 1997. It holds $836M in total assets - 1,218th of 4,313 FDIC-insured banks, $638M in customer deposits, and $705M in net loans. Its capital position: a Tier 1 ratio of 29.67%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.86% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Commercial Bank (USA) sits 71st of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$50M
Interest Income
$182K
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Commercial Bank (USA) reports a Texas Ratio of 0.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Commercial Bank (USA) (FDIC Cert #34496) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is First Commercial Bank (USA)'s health grade?▼
First Commercial Bank (USA) receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Commercial Bank (USA)?▼
First Commercial Bank (USA) holds $836M in total assets and $638M in deposits, ranking 1,218th of 4,313 FDIC-insured banks by asset size. It is headquartered in Alhambra, California.
Is my money safe at First Commercial Bank (USA)?▼
Yes, deposits at First Commercial Bank (USA) (Certificate #34496) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Commercial Bank (USA)'s Tier 1 Capital Ratio?▼
First Commercial Bank (USA) has a Tier 1 Capital Ratio of 29.67%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Commercial Bank (USA)?▼
First Commercial Bank (USA) has a Texas Ratio of 0.86%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Commercial Bank (USA)?▼
First Commercial Bank (USA) has an Efficiency Ratio of 55.10%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Commercial Bank (USA)'s profile as a depositor or analyst.
- First Commercial Bank (USA)'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Commercial Bank (USA) against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.