First Pacific Bancorp's Q3 2025 Financial Performance Insights

Author: Hannah Lewis Updated: 10-30-2025 09:20 AM

First Pacific Bancorp Shows Promising Growth in Q3 2025

First Pacific Bancorp, the parent company of First Pacific Bank, recently released its financial results for the third quarter of 2025. With a healthy liquidity position, the company continues to exhibit robust growth in both loans and deposits.

Financial Highlights of Q3 2025

As of the third quarter, First Pacific Bancorp reported a total asset base of $486 million, marking a substantial increase of $53 million since the end of 2024. The increase in total assets signifies the company’s expanding footprint in the banking sector.

Strengthening Deposits and Loans

The total deposits at the end of Q3 2025 were $390 million, reflecting a growth of $39 million since the previous year, demonstrating depositor confidence in First Pacific Bank. The total loans also grew by $43 million to reach $320 million, indicating a strong demand for financing from business clients.

Asset Quality and Capital Position

First Pacific Bancorp maintains excellent asset quality, with minimal levels of non-performing assets. The allowance for credit losses stood at 0.98% of total loans with no loan losses reported, highlighting effective risk management practices. The company ended the quarter with a leverage capital ratio of 8.74% and a total risk-based capital ratio of 12.16%. Cash and cash equivalents also increased to $52 million, an increase of $11 million year-over-year, ensuring sufficient liquidity for future growth.

Partnership and Community Commitment

“We are proud to share these results, indicating a robust third-quarter performance driven by our organic growth strategy,” said Joe Matranga, Chairman of the Board. “Our focus on disciplined risk management and commitment to long-term shareholder value remains unwavering.”

Nathan Rogge, the President and CEO, emphasized the bank’s commitment to personalized client relationships and providing tailored financial solutions to meet the evolving needs of businesses in Southern California.

About First Pacific Bank

Established in 2006, First Pacific Bank provides a range of financial services tailored to individuals, small businesses, and professionals in Southern California. As a community bank, it offers a personalized approach and direct access to decision-makers, which is critical in today’s competitive banking landscape.

Frequently Asked Questions

What were the key financial highlights for First Pacific Bancorp's Q3 2025?

First Pacific Bancorp reported total assets of $486 million, total deposits of $390 million, and total loans of $320 million, indicating substantial growth in each category.

How does First Pacific Bank manage its asset quality?

The bank maintains a low level of non-performing assets, with an allowance for credit losses at 0.98% of total loans, ensuring a robust risk management framework.

What is the bank’s capital position as of Q3 2025?

The leverage capital ratio stands at 8.74%, with a total risk-based capital ratio of 12.16%, indicating a strong capital position.

Who leads the management team at First Pacific Bancorp?

The company is led by Joe Matranga, the Chairman of the Board, and Nathan Rogge, the President and CEO, both of whom emphasize sustainable growth and community relationships.

What services does First Pacific Bank offer?

First Pacific Bank provides financial services ranging from personal banking to tailored solutions for small and medium-sized businesses across Southern California.

About The Author

Hi there, I'm Hannah Lewis, a writer and financial specialist of 36 years old committed to making money understandable and approachable to everyone. Years of working in the field have given me a thorough grasp of market trends, investment techniques, and economic fundamentals. My objective is to enable people, by means of understandable, useful guidance, to take charge of their financial destiny.

I have written many articles for financial blogs over my career that simplify difficult financial ideas into understandable insights. Being financially literate is a critical ability, and I am passionate about enabling people to confidently manage their financial lives. Regardless of your level of experience, my work will help you at every stage of the investment process. I appreciate being allowed to share in your success and financial expansion.

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