American Business Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.38 percentage points higher than in Q1 2026, at 255.27%. American Business Bank ranks 27th of 114 California banks on return on assets, in the upper half at 1.47% (Q2 2026). American Business Bank reported 1.47% on return on assets for Q2 2026, 0.19 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.24% |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.89% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 255.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 15.14% |
| Net interest margin | 3.94% |
| Efficiency ratio | 46.91% |
| Yield on earning assets | 4.82% |
| Cost of funds | 0.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.34% |
| Core deposits to total deposits | 97.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.15% |
| Securities to assets | 21.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.73% | 11.73% | 12.66% | 9.41% | 1.03% |
| Q4 2023 | 11.47% | 11.47% | 12.37% | 9.64% | 1.14% |
| Q1 2024 | 11.72% | 11.72% | 12.62% | 9.99% | 1.06% |
| Q2 2024 | 11.94% | 11.94% | 12.84% | 10.14% | 0.95% |
| Q3 2024 | 12.11% | 12.11% | 12.99% | 10.17% | 1.05% |
| Q4 2024 | 12.14% | 12.14% | 13.02% | 10.21% | 1.19% |
| Q1 2025 | 11.96% | 11.96% | 12.84% | 10.44% | 1.14% |
| Q2 2025 | 11.92% | 11.92% | 12.80% | 10.45% | 1.24% |
| Q3 2025 | 12.09% | 12.09% | 12.96% | 10.22% | 1.29% |
| Q4 2025 | 12.11% | 12.11% | 13.00% | 10.29% | 1.32% |
| Q1 2026 | 12.14% | 12.14% | 13.03% | 10.76% | 1.44% |
| Q2 2026 | 12.35% | 12.35% | 13.24% | 11.01% | 1.47% |
American Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Business Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34788) · FFIEC NIC profile (RSSD 2734729)