PackageTrendsPeer
Letter portraitLegal landscape

American Plus Bank, National Association

Arcadia, CA · Cert 58469

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Plus Bank, National Association

Arcadia, CA · Cert 58469

National charter · OCC · 4 branches

Q2 2026

$935.0MAssets
$804.2MLoans
$748.0MDeposits
$150.0MEquity
Loan mix
92%RE $703.3M6%C&I $43.8M2%Consumer $15.3MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $704.3M6%Noninterest $43.7MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #48 of 107 inst. · $0.7B of $667.8B

Executive Summary

  • Earnings: ROA of 1.81%, up 29 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.46%, up 75 bps from a year ago.
  • Funding: loans stand at 107.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.81%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+44 bps YoY

Efficiency Ratio (YTD, annualized)

31.84%-241 bps YoY

Tier 1 Leverage Ratio

16.46%+75 bps YoY

NIM

6.88%Q2 ’246.46%Q2 ’256.49%Q2 ’26+3%+13%

Non-interest income vs. expense

1.37%Q2 ’241.23%Q2 ’251.34%Q2 ’26+15%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.65%1.63%1.51%1.63%1.81%1.63%1.81%+29 bps
Return on Equity9.89%9.39%9.67%9.26%9.99%11.05%9.94%11.09%+182 bps
Net Interest Margin3.25%3.23%3.47%3.42%3.54%3.62%3.92%3.87%+44 bps
Efficiency Ratio33.85%34.70%35.06%34.25%36.05%34.22%33.42%31.84%-241 bps
Non-Interest Burden0.74%0.82%1.05%1.05%1.13%0.97%1.24%1.02%-4 bps
Growth
Asset Growth (YoY)11.96%13.92%14.82%25.62%14.38%13.07%13.70%7.17%-1,845 bps
Loan Growth (YoY)8.12%14.15%19.05%29.95%20.16%16.09%12.83%4.66%-2,528 bps
Deposit Growth (YoY)13.42%14.32%15.79%29.19%15.72%14.71%12.98%4.20%-2,500 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.04%0.04%0.04%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.40%1.44%1.41%1.39%1.43%1.42%1.50%1.50%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/a35.7x38.0x42.3xn/a
Capital
Tier 1 Leverage Ratio18.01%17.56%17.14%15.72%15.90%16.50%16.49%16.46%+75 bps
Total Risk-Based Capital18.01%17.56%17.14%15.72%15.90%16.50%16.49%16.46%+75 bps
Equity / Assets17.18%16.94%16.79%15.42%16.14%16.56%16.32%16.04%+62 bps
Liquidity & Funding
Loans / Deposits102.09%106.38%107.33%107.03%106.01%107.65%107.19%107.51%+48 bps
Liquid Assets / Assets4.56%2.98%3.31%2.62%3.62%2.58%4.33%4.23%+161 bps
CRE / Total Capitaln/an/an/an/a470%465%467%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Plus Bank, National Association

Arcadia, CA · Cert 58469 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

National charter · OCC · 4 branches

Q2 2026

$935.0MAssets
$804.2MLoans
$748.0MDeposits
$150.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: total risk-based capital ratio trails 57% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 16 of 28).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.74%

Rank 3 of 28

Net Interest Margin

3.87%

Rank 11 of 28

Efficiency Ratio

32.18%

Rank 3 of 28

Equity / Assets

16.04%

Rank 13 of 28

Non-interest income vs. expense

$2.9M$12.1MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 32.18%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.74%0.39%0.81%1.45%Beats 89%3 / 28
Return on Equity10.82%2.58%5.09%9.10%Beats 79%6 / 28
Net Interest Margin3.87%3.22%3.68%4.12%Beats 61%11 / 28
Efficiency Ratio32.18%56.77%70.25%85.37%Beats 93%3 / 28
Asset Quality
Nonperforming Loans / Loans0.04%n/a0.26%1.61%Beats 63%11 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio16.46%13.70%16.46%19.75%Beats 50%14 / 28
Total Risk-Based Capital Ratio16.46%14.96%17.60%20.63%Beats 43%16 / 28
Equity / Assets16.04%11.97%15.41%17.42%Beats 54%13 / 28
Liquidity & Funding
Loans / Deposits107.51%84.00%97.95%102.47%82nd pctl5 / 28
Loans / Assets86.00%69.18%76.59%81.19%93rd pctl2 / 28
Brokered Deposits / Depositsn/aNot reported for this institution