American Plus Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Plus Bank, N.A. of Arcadia, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.02% | 1.34% | +0.68% | 86th top |
| ROAE | 12.25% | 13.32% | -1.07% | 49th below |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 57th above |
| Efficiency Ratio | 30.38% | 61.17% | -30.79% | 99th top |
| PPNR / Avg Assets | 3.09% | 1.68% | +1.41% | 96th top |
| Yield on Earning Assets | 6.83% | 5.67% | +1.16% | 93rd top |
| Cost of Funds | 3.26% | 1.88% | +1.38% | 3rd bottom |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 81st top |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 79th top |
| ACL / NPLs (Coverage) | 4230.07% | 1536.00% | +2694.07% | — |
| Texas Ratio | 1.63% | 7.34% | -5.71% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.46% | 12.13% | +4.33% | 91st top |
| Equity / Assets | 16.04% | 11.37% | +4.67% | 91st top |
| TCE / Tangible Assets | 15.76% | 11.09% | +4.67% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.51% | 80.61% | +26.90% | 5th bottom |
| Core Deposit Ratio | 71.01% | 86.87% | -15.86% | 6th bottom |
| Wholesale Funding Ratio | 2.67% | 5.04% | -2.37% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.17% | 6.85% | +0.32% | 70th above |
| Loan Growth (Y/Y) | 4.66% | 7.91% | -3.25% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.20% | 6.29% | -2.09% | 51st above |
See American Plus Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Plus Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Plus Bank, N.A. profile, how to read a UBPR, or how this data updates.