American Business Bank
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Data as of · sourced from FFIEC call reports. How we update
American Business Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1998 (FDIC certificate 34788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.42B, up 2.8% from Q2 2025, the 25th largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34788
- Headquarters
- Los Angeles, CA
- Established
- 1998
- Total assets, Q2 2026
- $4.42B
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 12.35%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 122042807
- Latest call report
- Q2 2026, FFIEC 041 · American Business Bank call report
- Asset rank in state
- 25th of 113 in California
American Business Bank, based in Los Angeles, California, reported $4.4 billion in assets at June 30, 2026, up 2.8% from a year earlier. It pays an average of 0.97% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $155 million equal 32% of Tier 1 capital, down from 46% a year earlier. Loans are outrunning deposits: over the year loans rose 7.9% and deposits rose 1.7%.
As of June 30, 2026, American Business Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.27%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, American Business Bank is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $4.42B, loans rose 0.9% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 44.8% of total loans, followed by non-owner-occupied commercial real estate loans at 24.7%. The FDIC Summary of Deposits lists a single office for it, in Los Angeles, CA. By the capital ratios in its Q2 2026 call report, American Business Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 S Hope St, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 28, 1998
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 250
- Domestic deposits
- $3.94B
- Allowance for credit losses
- $34.8M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $4.43B
- Average total loans
- $3.10B
- Average interest-bearing deposits
- $2.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 28, 1998
- FDIC Cert
- 34788
- Fed RSSD
- 2734729
- Website
- WWW.AMERICANBB.BANK →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Business Bank's total assets ran between $3.87B (Q3 2023) and $4.46B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.42B total assets against $4.30B; $3.98B total liabilities against $3.93B.
$3.09B net loans and leases against $2.86B; $3.94B total deposits against $3.87B.
$969.2M securities against $1.05B; $217.8M cash and balances due against $252.5M.
$51.6M total interest income against $47.7M; $9.4M total interest expense against $10.9M.
$42.2M net interest income against $36.8M.
$2.9M total noninterest income against $2.5M; $21.4M total noninterest expense against $19.8M.
$368K provision for credit losses against $363K.
$16.2M net income against $13.2M.
1.47% return on assets against 1.24%; 3.94% net interest margin against 3.59%.
12.35% CET1 capital ratio against 11.92%; 11.01% tier 1 leverage ratio against 10.45%.
Inside the full American Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
American Business Bank rankings
Its closest position to the top of a national ranking is 15 of 980, for uninsured deposits; its furthest is 1,601 of 2,134, for CET1 ratio.
Metric pages for American Business Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q3 2024) to 1.47% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.47% | 0.44% | 2.27% | 3.94% |
| Q1 2026 | 12.14% | 1.44% | 0.44% | 2.34% | 3.90% |
| Q4 2025 | 12.11% | 1.32% | 0.39% | 2.29% | 3.84% |
| Q3 2025 | 12.09% | 1.29% | 0.40% | 2.52% | 3.72% |
| Q2 2025 | 11.92% | 1.24% | 0.40% | 2.58% | 3.59% |
| Q1 2025 | 11.96% | 1.14% | 0.42% | 2.67% | 3.45% |
| Q4 2024 | 12.14% | 1.19% | 0.27% | 1.87% | 3.36% |
| Q3 2024 | 12.11% | 1.05% | 0.27% | 1.76% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Business Bank (main office) | Los Angeles , CA | 90071 | $3.94B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CA, rank 41 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 14 loans, $16.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Business Bank
What are American Business Bank's total assets?
As of the Q2 2026 filing, American Business Bank reported total assets of $4.42 billion in its FFIEC call report.
Where is American Business Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was American Business Bank founded?
It was established in 1998, per the FDIC institution directory.
Is American Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Business Bank?
American Business Bank's primary federal regulator is the FDIC.
What is American Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Business Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Business Bank's Texas Ratio?
Its Texas Ratio is 2.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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