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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

First Commercial Bank USA

Alhambra, California · $850M in assets · beside the 11 other California banks between $300M and $1B

The filing

113.2%
Loans / deposits
12th of 12
23.0%
Equity / assets
1st of 12
162.6%
CRE / capital
1st of 12

First Commercial Bank USA is the seventh largest of the 12 California banks nearest its size between $300M and $1B, with $850M in assets at 30 June 2026. Loans are 113.2% of deposits, the highest in the cohort against a median of 90.7%, and equity is 23.0% of assets, the highest in the cohort. Loans grew +6.4% in the year, 4th of 12, and deposits grew 4.2%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 1.05% of the book, 8th of 12 against a median of 0.32%; 0.03% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 45.3% of loans, 4th of 12 against a median of 50.9%, and 163% of capital, below the 300% screen, with construction at 16% against the 100% screen.

Return on assets is 1.12%, 4th of 12 against a median of 0.86%, on an efficiency ratio of 55.4%, 4th of 11. Five years ago it was 0.97%. The question is what the capital is for: the balance sheet carries less risk than it could.

Loans as a share of depositsCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 90.7% RV River Valley Community Bank 57.5% BC Bac Community Bank 68.2% NB Nano Banc 69.8% PB Pinnacle Bank 71.1% CN C3bank National Association 72.0% SS Summit State Bank 89.7% EB Endeavor Bank 91.7% HB HCN Bank 93.0% Bo Bank of San Francisco 93.9% MV Mission Valley Bank 102.5% AP American Plus Bank N A 107.5% FC First Commercial Bank USA 113.2%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

First Commercial Bank USA is the 229th largest 7(a) lender into California of 512, with $8M across 14 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 4 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$7M143rd of 3080.0%quiet FY2019
San Bernardino, CA$650K164th of 2130.0%thin
Santa Clara, CA$225K178th of 1870.0%quiet FY2018
Orange, CA$200K237th of 2560.0%quiet FY2015
Alameda, CA$150K167th of 1790.0%quiet FY2016
San Francisco, CA$60K138th of 1400.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade6$4M42.7%0.01%549th of 1,651
Retail trade1$3M38.6%0.01%915th of 2,589
Professional & technical services1$500K6.0%0.00%1261st of 1,955
Health care & social assistance2$375K4.5%0.00%1585th of 2,172
Transportation & warehousing1$351K4.2%0.00%1090th of 1,563
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and First Commercial Bank USA
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans FC First Commercial Bank (usa) 0.0% $8M · 14 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First Commercial Bank USARankCohort median
Total CRE against capital, the 300% screen163%1st of 12275%
Construction against capital, the 100% screen16%6th of 1216%
Construction and land development, share of loans4.5%9th of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans34.5%5th of 1238.1%
Total CRE, the guidance definition, share of loans45.3%4th of 1250.9%
CRE growth over 36 months, the third prong+0.7%5th of 12+10.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Commercial Bank USACohort median
20212026Change20212026Change
Loans$696M$732M+5%$490M$648M+32%
Deposits$565M$647M+15%$593M$733M+24%
NPA / loans0.00%1.05%+1.05 pts0.04%0.32%+0.28 pts
Efficiency51.2%55.4%+4.2 pts53.4%64.0%+10.6 pts
ROA0.97%1.12%+0.15 pts1.17%0.86%-0.31 pts

This read was prepared for First Commercial Bank USA's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Commercial Bank USA is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution bankfcb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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