First Commercial Bank USA (FDIC #34496): Bank Stress & Real-Estate Credit Exposure

First Commercial Bank USA (FDIC Cert #34496): bank stress 29/100, contained, STABLE over 7 days; parent FIRST FINANCIAL HOLDING CO LTD.

First Commercial Bank USA (#34496) lends in 6 counties across 1 state; First Commercial Bank USA (#34496) reaches 630 ZIP codes: California 6 counties, 630 ZIPs.

First Commercial Bank USA (#34496) largest markets: Los Angeles County, CA (912 branches, 304 ZIPs) (#34496), San Bernardino County, CA (100 branches, 100 ZIPs) (#34496), Orange County, CA (92 branches, 92 ZIPs) (#34496), Santa Clara County, CA (63 branches, 63 ZIPs) (#34496), Alameda County, CA (53 branches, 53 ZIPs) (#34496), San Mateo County, CA (31 branches, 31 ZIPs) (#34496).

First Commercial Bank USA (#34496) reports $849.9 million in total assets; First Commercial Bank USA (#34496) equity $195.8 million (23.0% of First Commercial Bank USA (#34496) assets); First Commercial Bank USA (#34496) domestic deposits $646.8 million; First Commercial Bank USA (#34496) net income $4.7 million; First Commercial Bank USA (#34496) return on assets 1.10%; First Commercial Bank USA (#34496) return on equity 4.85%; First Commercial Bank USA (#34496) net interest income $14.8 million; First Commercial Bank USA (#34496) call report June 30, 2026.

First Commercial Bank USA (#34496) noncurrent real-estate loans: none reported; First Commercial Bank USA (#34496) net charge-offs on real estate 1.24%; First Commercial Bank USA (#34496) residential charge-offs 0.23%.

First Commercial Bank USA (#34496) net interest margin 3.57% against an eight-quarter First Commercial Bank USA (#34496) average of 3.58% (First Commercial Bank USA (#34496) compression 0.02 points); First Commercial Bank USA (#34496) non-residential real estate 23.1% of equity; First Commercial Bank USA (#34496) rate-exposure score 40/100, First Commercial Bank USA (#34496) fixed-rate trap 40/100; First Commercial Bank USA (#34496) risk type rate trapped; First Commercial Bank USA (#34496) rate regime rates elevated, First Commercial Bank USA (#34496) snapshot October 19, 2026.

First Commercial Bank USA (#34496) stress score moved from 25.8 on June 22, 2026 to 29.2 on October 19, 2026; First Commercial Bank USA (#34496) ranged 25.8 to 29.2 over 116 snapshots.

First Commercial Bank USA (#34496) alerts: 6 counties; top First Commercial Bank USA (#34496) alert scores: San Mateo County, CA 34 (low); Chino Hills County, CA 15 (low); Fremont County, CA 15 (low); Irvine County, CA 15 (low); Rowland Heights County, CA 15 (low).