Asian Pacific National 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.
Loan-to-deposit ratio climbed 8.53 percentage points in Q2 2026, from 69.09% to 77.62%. It was the largest change from Q1 2026 among the key lines here. Within California, Asian Pacific National Bank is 52nd of 114 on return on assets, 1.14% as of Q2 2026, above the middle of the field. Asian Pacific National Bank reported 1.14% on return on assets for Q2 2026, 0.16 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 20.07% |
| Equity capital to assets | 19.89% |
| Tangible equity to tangible assets | 19.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 5.71% |
| Net interest margin | 3.70% |
| Efficiency ratio | 65.12% |
| Yield on earning assets | 6.30% |
| Cost of funds | 3.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.62% |
| Core deposits to total deposits | 88.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.29% |
| Securities to assets | 6.12% |
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 | 18.76% | 0.63% | 3.22% | 0.00% | 0.00% |
| Q4 2023 | 18.73% | 0.26% | 3.12% | 0.00% | 0.00% |
| Q1 2024 | 19.20% | 0.17% | 2.65% | 0.00% | 0.00% |
| Q2 2024 | 18.73% | 0.33% | 2.78% | 0.00% | 0.00% |
| Q3 2024 | 18.82% | 0.20% | 2.82% | 0.00% | 0.00% |
| Q4 2024 | 19.29% | 0.32% | 3.05% | 0.00% | 0.00% |
| Q1 2025 | 19.73% | 0.37% | 2.93% | 0.00% | 0.00% |
| Q2 2025 | 19.75% | 0.64% | 3.22% | 0.00% | 0.00% |
| Q3 2025 | 18.82% | 0.86% | 3.43% | 0.00% | 0.00% |
| Q4 2025 | 19.00% | 0.80% | 3.48% | 0.00% | 0.00% |
| Q1 2026 | 20.04% | 0.71% | 3.32% | 0.00% | 0.00% |
| Q2 2026 | 20.07% | 1.14% | 3.70% | 0.00% | 0.00% |
Asian Pacific National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Asian Pacific National 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 Asian Pacific National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33013) · FFIEC NIC profile (RSSD 1462986)