First Pacific Bank (FDIC #58218): Bank Stress & Real-Estate Credit Exposure
First Pacific Bank (FDIC Cert #58218): bank stress 90/100, severe, STABLE over 7 days; parent FIRST PACIFIC BCORP.
First Pacific Bank (#58218) lends in 4 counties across 1 state; First Pacific Bank (#58218) reaches 601 ZIP codes: California 4 counties, 601 ZIPs.
First Pacific Bank (#58218) largest markets: Los Angeles County, CA (608 branches, 304 ZIPs) (#58218), San Diego County, CA (116 branches, 116 ZIPs) (#58218), San Bernardino County, CA (100 branches, 100 ZIPs) (#58218), Orange County, CA (92 branches, 92 ZIPs) (#58218).
First Pacific Bank (#58218) reports $514.4 million in total assets; First Pacific Bank (#58218) equity $45.5 million (8.8% of First Pacific Bank (#58218) assets); First Pacific Bank (#58218) domestic deposits $420.1 million; First Pacific Bank (#58218) net income $596,000; First Pacific Bank (#58218) return on assets 0.24%; First Pacific Bank (#58218) return on equity 2.64%; First Pacific Bank (#58218) net interest income $8.6 million; First Pacific Bank (#58218) call report June 30, 2026.
First Pacific Bank (#58218) noncurrent real-estate loans: none reported; First Pacific Bank (#58218) net charge-offs on real estate 0.21%; First Pacific Bank (#58218) residential charge-offs 0.48%.
First Pacific Bank (#58218) net interest margin 3.65% against an eight-quarter First Pacific Bank (#58218) average of 3.50% (First Pacific Bank (#58218) compression -0.14 points); First Pacific Bank (#58218) non-residential real estate 48.2% of equity; First Pacific Bank (#58218) rate-exposure score 40/100, First Pacific Bank (#58218) fixed-rate trap 40/100; First Pacific Bank (#58218) risk type credit driven; First Pacific Bank (#58218) rate regime rates elevated, First Pacific Bank (#58218) snapshot October 20, 2026.
First Pacific Bank (#58218) stress score moved from 83.2 on June 22, 2026 to 89.8 on October 20, 2026; First Pacific Bank (#58218) ranged 83.2 to 89.8 over 117 snapshots.
First Pacific Bank (#58218) alerts: 4 counties; top First Pacific Bank (#58218) alert scores: San Diego County, CA 46 (moderate); Orange County, CA 46 (moderate); Redlands County, CA 27 (low); Whittier County, CA 27 (low).