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Overview / Commentary
1744 South Nogales Street
Rowland Heights, CA 91748

First General Bank is headquartered in Rowland Heights and is the 81st largest bank in the state of California. It is also the 1,230th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 59 employees at 4 locations. First General Bank 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 General Bank had $20.91 million in non-current loans and owned real-estate with $67.4 million in equity and loan loss allowances on hand to cover it. This gives First General Bank a Texas Ratio of 31.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First General Bank increased slightly from 16.55% as of March 31, 2013 to 31.02% as of March 31, 2014, resulting in a negative change of 87.42%. This indicates that the balance sheet and financial strength for First General Bank has declined slightly in recent periods.

Deposit Growth


In the past year, First General Bank has increased its total deposits by $27.78 million, resulting in 6.11% 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 General Bank has shown is excellent.



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 General Bank has $549.49 million in assets with $67.4 million in equity, resulting in a capitalization level of 12.27%, which is excellent.

Institution Statistics

FDIC Certificate #58060
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$549.49 million
Loans$503.86 million
Deposits$482.15 million
Equity Capital$61.90 million
Loan Loss Allowance$5.49 million
Unbacked Noncurrent Loans$20.91 million
Real Estate Owned$0
Historic Data - March 2013
Assets$523.99 million
Equity Capital$53.44 million
Loan Loss Allowance$4.55 million
Unbacked Noncurrent Loans$20.91 million
Real Estate Owned$1.83 million
Profit Margin - Quarterly
Return on Assets2.16%
Return on Equity19.15%
Interest Income$5.93 million

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First General Bank Locations
Arcadia Branch1127 South Baldwin AvenueArcadia, CA 91007
First General Bank1744 South Nogales StreetRowland Heights, CA 91748
Irvine Branch5404 C Walnut AvenueIrvine, CA 92604
San Gabriel801 E. Valley Blvd Unit 103San Gabriel, CA 91776