American Business Bank
Total assets
$4.42B
▲ +2.8% YoY
Deposits
$3.94B
▲ +1.7% YoY
Loans
$3.09B
▲ +7.9% YoY
Offices
10
ROA (annualized)
1.46%
peers 1.26%
ROE (annualized)
15.17%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | American Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.7 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +7.9% | +5.9% | +2.0 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 15.2% | 12.2% | +3.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1998
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 400 S Hope St, Los Angeles, CA, 90071
- County
- Los Angeles
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 10
- FDIC cert #
- 34788
- RSSD ID
- 2734729
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.42B | $3.94B | $3.09B | $436.7M | $32.1M | 1.46% | 4.00% | 0.31% |
| Q1 2026 | $4.37B | $3.90B | $3.06B | $421.5M | $15.9M | 1.45% | 3.96% | 0.31% |
| Q4 2025 | $4.41B | $3.95B | $3.01B | $411.1M | $54.2M | 1.27% | 3.76% | 0.27% |
| Q3 2025 | $4.46B | $4.00B | $2.89B | $395.5M | $39.4M | 1.24% | 3.69% | 0.26% |
| Q2 2025 | $4.30B | $3.87B | $2.86B | $372.6M | $25.0M | 1.20% | 3.61% | 0.27% |
| Q1 2025 | $4.17B | $3.76B | $2.80B | $368.2M | $11.9M | 1.16% | 3.55% | 0.28% |
| Q4 2024 | $4.04B | $3.64B | $2.72B | $354.8M | $43.3M | 1.09% | 3.28% | 0.18% |
| Q3 2024 | $4.12B | $3.72B | $2.59B | $357.5M | $30.8M | 1.04% | 3.19% | 0.17% |
Loan mix (Q2 2026): real estate $2.45B · commercial $646.6M · consumer $8.1M · securities $969.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | American Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.70% | 68th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 59.0% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | American Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | American Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | American Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | American Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
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- Community West BankFresno, CA · $5.02B
- Bank of MarinNovato, CA · $3.86B
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