American Plus Bank, N.A.: 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.
Core deposits to total deposits dropped 1.35 percentage points in Q2 2026, from 72.36% to 71.01%. It was the largest change from Q1 2026 among the key lines here. Within California, American Plus Bank, N.A. is 12th of 114 on return on assets, 2.02% as of Q2 2026, above the middle of the field. American Plus Bank, N.A.'s return on assets of 2.02% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.76 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.46% |
| Equity capital to assets | 16.04% |
| Tangible equity to tangible assets | 15.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.63% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 4230.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 12.25% |
| Net interest margin | 4.06% |
| Efficiency ratio | 30.38% |
| Yield on earning assets | 6.83% |
| Cost of funds | 3.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.51% |
| Core deposits to total deposits | 71.01% |
| Brokered deposits to total deposits | 7.01% |
| Deposits to assets | 80.00% |
| Securities to assets | 1.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.08% | 2.04% | 3.83% | 0.00% | 0.00% |
| Q4 2023 | 17.89% | 1.51% | 3.45% | 0.29% | 0.00% |
| Q1 2024 | 18.35% | 1.82% | 3.41% | 0.00% | 0.00% |
| Q2 2024 | 18.47% | 1.48% | 3.51% | 0.00% | 0.00% |
| Q3 2024 | 18.01% | 2.04% | 3.62% | 0.00% | 0.00% |
| Q4 2024 | 17.56% | 1.37% | 3.59% | 0.00% | 0.00% |
| Q1 2025 | 17.14% | 1.64% | 3.58% | 0.00% | 0.00% |
| Q2 2025 | 15.72% | 1.40% | 3.79% | 0.00% | 0.00% |
| Q3 2025 | 15.90% | 1.82% | 4.01% | 0.00% | 0.00% |
| Q4 2025 | 16.50% | 2.32% | 3.95% | 0.00% | 0.00% |
| Q1 2026 | 16.49% | 1.65% | 4.03% | 0.00% | 0.00% |
| Q2 2026 | 16.46% | 2.02% | 4.06% | 0.04% | 0.00% |
American Plus Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Plus Bank, N.A., 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 Plus Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58469) · FFIEC NIC profile (RSSD 3623110)