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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 75thStandingRankPeer 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