American Business Bank
Los Angeles, CA · Cert 34788 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19)
State charter, non-member · FDIC · 1 branch
Q2 2026
$4.4BAssets
$3.1BLoans
$3.9BDeposits
$436.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 4 of 19).
- Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 16 of 19).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 6 of 19
Net Interest Margin
3.79%
Rank 4 of 19
Efficiency Ratio
46.95%
Rank 7 of 19
Equity / Assets
9.89%
Rank 14 of 19
Non-interest income vs. expense
Unfavorable gap of $72.8M · efficiency ratio beats 68% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 1.10% | 1.26% | 1.57% | Beats 68% | 6 / 19 | |
| Return on Equity | 14.70% | 8.62% | 11.28% | 14.70% | Beats 74% | 5 / 19 | |
| Net Interest Margin | 3.79% | 3.07% | 3.30% | 3.62% | Beats 79% | 4 / 19 | |
| Efficiency Ratio | 46.95% | 33.01% | 51.12% | 56.65% | Beats 68% | 7 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.37% | 0.80% | 1.55% | Beats 71% | 6 / 17 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 6 / 17 | |
| Capital |
| Tier 1 Capital Ratio | 12.35% | 12.10% | 14.67% | 23.92% | Beats 26% | 14 / 19 | |
| Total Risk-Based Capital Ratio | 13.24% | 13.35% | 14.67% | 24.05% | Beats 16% | 16 / 19 | |
| Equity / Assets | 9.89% | 9.84% | 11.18% | 14.01% | Beats 26% | 14 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 79.34% | 79.34% | 95.16% | 100.04% | 21st pctl | 15 / 19 | |
| Loans / Assets | 70.74% | 69.86% | 77.55% | 83.04% | 26th pctl | 14 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |