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200 East Main Street
Alhambra, CA 91801

First Commercial Bank (USA) is headquartered in Alhambra and is the 93rd largest bank in the state of California. It is also the 1,455th largest bank in the nation. It was established in 1997 and as of March of 2014, it had grown to 79 employees at 7 locations. First Commercial Bank (USA) has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Commercial Bank (USA) had $13.42 million in non-current loans and owned real-estate with $110.02 million in equity and loan loss allowances on hand to cover it. This gives First Commercial Bank (USA) a Texas Ratio of 12.20% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Commercial Bank (USA) decreased slightly from 15.02% as of March 31, 2013 to 12.20% as of March 31, 2014, resulting in a positive change of 18.77%.This indicates that the balance sheet and financial strength for First Commercial Bank (USA) has improved slightly in recent periods.

Deposit Growth


In the past year, First Commercial Bank (USA) has decreased its total deposits by -$16.93 million, resulting in -4.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Commercial Bank (USA) has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Commercial Bank (USA) has $464.98 million in assets with $110.02 million in equity, resulting in a capitalization level of 23.66%, which is excellent.

Institution Statistics

FDIC Certificate #34496
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$464.98 million
Loans$422.17 million
Deposits$362.81 million
Equity Capital$100.99 million
Loan Loss Allowance$9.03 million
Unbacked Noncurrent Loans$13.42 million
Real Estate Owned$0
Historic Data - March 2013
Assets$479.97 million
Equity Capital$98.57 million
Loan Loss Allowance$8.81 million
Unbacked Noncurrent Loans$13.42 million
Real Estate Owned$982,000
Profit Margin - Quarterly
Net Interest Margin3.02%
Return on Assets0.74%
Return on Equity3.5%
Interest Income$3.85 million

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First Commercial Bank (USA) Locations
Silicon Valley Branch1141 S. De Anza BoulevardSan Jose, CA 95129
Arcadia Branch1309 S Baldwin AveArcadia, CA 91007
Artesia Branch17808 Pioneer Boulevard, Unit 108Artesia, CA 90701
City Of Industry Branch18725 East Gale Avenue, Suite 150City Of Industry, CA 91748
First Commercial Bank (Usa)200 East Main StreetAlhambra, CA 91801
Irvine Branch4250 Barranca Parkway, Suite EIrvine, CA 92604
Fremont Branch46691 Mission Boulevard, Suite 230Fremont, CA 94539