First Pacific Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Pacific Bank (FDIC Cert #58218) at 90/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

County by county, that footprint includes Los Angeles County, CA, San Diego County, CA, San Bernardino County, CA, Orange County, CA, among others DLRadar tracks parcel by parcel. What separates this from a plain credit rating is the geographic weighting — First Pacific Bank's 90/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. DLRadar does not model First Pacific Bank in isolation: the 601-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because First Pacific Bank is held under First Pacific Bcorp, its financials are open to scrutiny and its trend can be independently checked. The First Pacific Bank score updates as fresh FDIC call reports post each quarter, so its 90/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Pacific Bank is directly comparable to any lender in the country. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. DLRadar maps First Pacific Bank into 4 counties (601 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are California (4 counties).

The acquisition angle is simple — lending capacity is what moves deals. As First Pacific Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.