At a glance
From its website, read 2 Nov 2026First General Bank is a bank or thrift based in Rowland Heights, California. Its website describes commercial real estate loans, SBA-backed loans and small-business loans. Where it lends: Southern California area. It serves borrowers in Chinese.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.fgbusa.com |
|---|---|
| Office (official list) | 1744 S. Nogales Street, Rowland Heights, CA 91748 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Oct 2016 |
| RSSD ID | 3386264 |
| Address | 1744 S. Nogales Street, Rowland Heights, CA 91748 Directions (Google Maps) |
| Website | www.fgbusa.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and online loan application were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA 7(a) | source |
| Small-business loans | — | Working Capital Loans and Lines of Credit | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Southern California area
A full-service commercial bank, with an emphasis on developing a business and professional clientele within the Southern California area
source
Borrower focus
- Not stated on the pages we read.
Languages
- Chinese
如果您的資料被洩露，我們可以提供協助
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.fgbusa.com/
- https://www.fgbusa.com/products-and-services/loans
- https://www.fgbusa.com/products-and-services/sba-loans
- https://www.fgbusa.com/products-and-services/trade-finance
- https://www.fgbusa.com/chinese/products-and-services/loans
- https://www.fgbusa.com/chinese/products-and-services/sba-loans
- https://www.fgbusa.com/chinese/products-and-services/trade-finance
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.4 million in 10 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2015 | Bank Enterprise Award Program | $78,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as First General Bank (FDIC cert 58060). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.2 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
California (5 offices)
- Los Angeles County (4): 19036 Colima Rd, Rowland Heights 91748 (main office); 1127 S Baldwin Ave, Arcadia 91007; 17808 Pioneer Blvd, Artesia 90701; 801 E Valley Blvd, San Gabriel 91776
- Orange County (1): 5404 C Walnut Avenue, Irvine 92604
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by First General Bank (RSSD 3386264, FDIC cert 58060). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $944.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.5% from $929.8 million on 30 Jun 2025 |
| Total assets | $1.17 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $31.2 million | 3.3% |
| Home equity lines of credit | $3.4 million | 0.4% |
| Commercial real estate, construction and multifamily | $827.4 million | 87.6% |
| Commercial and industrial (business) loans | $32.2 million | 3.4% |
| All other loans and leases | $50 million | 5.3% |
None reported on the 30 Jun 2026 report: farmland and farm production loans; consumer loans (credit cards, auto, other).
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | none reported | 4 loans $246,000 |
| $100,001 to $250,000 | 3 loans $210,000 | 6 loans $117,000 |
| $250,001 to $1 million | 50 loans $19.1 million | 22 loans $8.8 million |
| All small business loans | 53 loans $19.3 million | 32 loans $9.2 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $1,520,000 (60 loans) | All 7(a) lenders in California: $270,000. Larger than the median loan of 100% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 10 → 2 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 8 → 15. |
| Total assets (Call Report, 30 Jun 2026) | $1.17 billion | Larger than 75% of the 8 other certified banks and bank holding companies in California (median $674 million). |
| Loans as a share of assets | 80% | Median of the same 8 banks and bank holding companies: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $929.8 million → $944.2 million (+2%) | Median change of 8 other certified banks and bank holding companies in California: +11%. Rank by loans held among these 9: 3 → 3. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 100% |
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 8 → 15 of 21 |
| Call Report total assets | other certified banks and bank holding companies in California | 8 | larger than 75% |
| Loans held then vs now | certified banks and bank holding companies in California reporting both dates | 8 | rank 3 → 3 of 9 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 64 SBA-backed approvals for First General Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 60 7(a) loans as the lender: $127.6M in total (gross amount approved), median $1.5M
- 4 504 projects as the third-party (first-lien) lender: $20.1M in total (its own third-party loan amount), median $2.4M
By fiscal year: FY2020 16 · FY2021 25 · FY2022 11 · FY2023 7 · FY2024 3 · FY2025 2 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $590,000 and $3.4M, median $1.5M (60 loans)
- Term of its 7(a) loans: median 300 months (25 years) (60 loans)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (60 loans)
- Young businesses: 12% of its 7(a) loans went to a startup or a business two years old or less (60 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (57, 89%)
- 504 projects (as the third-party lender) (4, 6%)
- 7(a) working-capital and trade lines (2, 3%)
- 7(a) SBA Express (1, 2%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (21)
- Wholesale trade (18)
- Health care and social assistance (4)
- Construction (4)
- Retail trade (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: FDIC cert 58060, found through the RSSD ID on the CDFI Fund list (SBA lists “First General Bank”); 504 third-party lender name: same name, state and city (SBA lists “First General Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First General Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Rowland Heights and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at First General Bank? Link to this page
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