American Plus Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
American Plus Bank, N.A. is an FDIC-insured commercial bank headquartered in Arcadia, CA, established in 2007 (FDIC certificate 58469), and it is supervised by the OCC. At Q2 2026 it reported total assets of $935.0M, up 7.2% from Q2 2025, the 64th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58469
- Headquarters
- Arcadia, CA
- Established
- 2007
- Total assets, Q2 2026
- $935.0M
- Assets vs Q2 2025
- +7.2%
- Tier 1 leverage ratio, Q2 2026
- 16.46%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 122244663
- Latest call report
- Q2 2026, FFIEC 051 · American Plus Bank, N.A. call report
- Asset rank in state
- 64th of 113 in California
American Plus Bank, N.A. runs leaner than most banks of its size. Its balance sheet stood at $935 million at June 30, 2026, up 7.2% from a year earlier; it is based in Arcadia, California. It spends about 30 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 3.26% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Earnings jumped: net income for the quarter was $4.5 million, 53% above the same quarter a year earlier. Its $444 million non-owner-occupied commercial real estate book is now fully current, after 3.59% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 4.2 times its capital, 3.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, American Plus Bank, N.A. reported a return on assets of 2.02%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 1.63%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Plus Bank, N.A. is the 64th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 5.0% to $935.0M, loans rose 4.7% and deposits rose 4.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 55.3% of total loans, ahead of construction and land development loans at 22.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in CA; its Arcadia office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Plus Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 630 W Duarte Rd, Arcadia, CA 91007
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 8, 2007
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $748.0M
- Allowance for credit losses
- $12.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $896.7M
- Average total loans
- $795.2M
- Average interest-bearing deposits
- $686.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 8, 2007
- FDIC Cert
- 58469
- Fed RSSD
- 3623110
- Website
- www.bankaplus.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, American Plus Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Plus Bank, N.A.'s total assets ranged from $670.4M (Q3 2023) to $935.0M (Q2 2026), 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
$935.0M total assets against $872.5M; $785.1M total liabilities against $738.0M.
$792.1M net loans and leases against $757.6M; $748.0M total deposits against $717.9M.
$10.5M securities against $9.9M; $87.4M cash and balances due against $65.8M.
$14.8M total interest income against $14.2M; $6.0M total interest expense against $6.5M.
$8.8M net interest income against $7.7M.
$1.2M total noninterest income against $252K; $3.1M total noninterest expense against $2.7M.
$533K provision for credit losses against $1.1M.
$4.5M net income against $3.0M.
2.02% return on assets against 1.40%; 4.06% net interest margin against 3.79%.
16.46% tier 1 leverage ratio against 15.72%.
Inside the full American Plus Bank, N.A. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Plus Bank, N.A. rankings
Its closest position to the top of a national ranking is 49 of 3,606, for efficiency ratio; its furthest is 2,418 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q4 2024) to 2.32% (Q4 2025) and its net interest margin ran from 3.58% (Q1 2025) to 4.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.46% | 2.02% | 0.04% | 1.63% | 4.06% |
| Q1 2026 | 16.49% | 1.65% | 0.04% | 1.69% | 4.03% |
| Q4 2025 | 16.50% | 2.32% | 0.04% | 1.72% | 3.95% |
| Q3 2025 | 15.90% | 1.82% | 0.00% | 1.57% | 4.01% |
| Q2 2025 | 15.72% | 1.40% | 0.00% | 1.94% | 3.79% |
| Q1 2025 | 17.14% | 1.64% | 0.00% | 1.96% | 3.58% |
| Q4 2024 | 17.56% | 1.37% | 0.00% | 1.98% | 3.59% |
| Q3 2024 | 18.01% | 2.04% | 0.00% | 2.00% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Plus Bank, N.A. | Arcadia , CA | 91007 | $451.1M |
| Rowland Heights Branch | Rowland Heights , CA | 91748 | $140.1M |
| Long Beach Branch | Long Beach , CA | 90802 | $113.7M |
| Pasadena Branch | Pasadena , CA | 91101 | $43.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 92 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.4M approved, $343K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Plus Bank, N.A.
What are American Plus Bank, N.A.'s total assets?
As of the Q2 2026 filing, American Plus Bank, N.A. reported total assets of $935.0 million in its FFIEC call report.
Where is American Plus Bank, N.A. headquartered?
It is headquartered in Arcadia, CA, United States.
When was American Plus Bank, N.A. founded?
It was established in 2007, per the FDIC institution directory.
Is American Plus Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Plus Bank, N.A.?
American Plus Bank, N.A.'s primary federal regulator is the OCC.
How many branches does American Plus Bank, N.A. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Plus Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.63% 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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