American Business Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Los Angeles, American Business Bank serves the California market as a community-focused commercial bank. On its most recent Q2 2026 call report, American Business reported $4.4B in total assets against $3.9B in deposits. Profitability is strong, 1.47% ROA, paired with 15.14% ROE and a 3.94% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 12.35% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.44%. It operates 10 branches, primarily in California.
As of June 30, 2026, American Business Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.44%, a Texas ratio of 2.89%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 400 S Hope St, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 28, 1998
- Offices
- 10 domestic
- Employees (FTE)
- 250
- Domestic deposits
- $3.94B
- Allowance for credit losses
- $34.8M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $4.43B
- Average total loans
- $3.10B
- Average interest-bearing deposits
- $2.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 28, 1998
- FDIC Cert
- 34788
- Fed RSSD
- 2734729
- Website
- WWW.AMERICANBB.BANK →
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Business Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Business 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
American Business Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Business Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.47% | 0.44% | 2.89% | 3.94% |
| Q1 2026 | 12.14% | 1.44% | 0.44% | 3.00% | 3.90% |
| Q4 2025 | 12.11% | 1.32% | 0.39% | 2.69% | 3.84% |
| Q3 2025 | 12.09% | 1.29% | 0.41% | 2.83% | 3.72% |
| Q2 2025 | 11.92% | 1.24% | 0.42% | 3.03% | 3.59% |
| Q1 2025 | 11.96% | 1.14% | 0.52% | 3.68% | 3.45% |
| Q4 2024 | 12.14% | 1.19% | 0.40% | 2.89% | 3.36% |
| Q3 2024 | 12.11% | 1.05% | 0.35% | 2.41% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Business Bank (main office) | Los Angeles , CA | 90071 | $3.94B |
Regulatory record
What the public regulatory sources show for American Business Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 41 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Business Bank
What are American Business Bank's total assets?
As of the Q2 2026 filing, American Business Bank reported total assets of $4.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Business Bank headquartered?
American Business Bank is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Business Bank founded?
American Business Bank was established in 1998, per the FDIC institution directory.
Is American Business Bank FDIC-insured?
Yes. American Business Bank is an FDIC-insured commercial bank (FDIC Certificate #34788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Business Bank?
American Business Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Business Bank's CET1 capital ratio?
American Business Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Business Bank operate?
American Business Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Business Bank's Texas Ratio?
American Business Bank's Texas Ratio is 2.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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