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Asian Pacific National Bank

under $100M Specialty: Commercial CA FDIC cert 33013

Designations: ✓ Community bank ✓ Minority Depository Institution

San Gabriel, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 3 in CA.
  • Deposits +2.2% year over year ($45.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.91%.
  • Efficiency ratio 70.25% vs a 119.40% peer average.
  • Loan-to-deposit ratio 76.33% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 3 in CA
View under $100M leaderboard (CA) →

Asian Pacific National Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 1.48% below tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Efficiency Ratio 49.15% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
  • - Net Interest Margin 0.39% below tier average
Get updates when Asian Pacific National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $56.9M
+1.5% YoY -0.1% QoQ
-$5.5M $62.4M
-0.0% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $34.5M
+25.7% YoY +12.2% QoQ
-$441K $34.9M
-0.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $45.1M
+2.2% YoY -0.3% QoQ
-$6.5M $51.6M
-0.2% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.91%
+81.4% YoY +31.5% QoQ
-0.09% 1.00%
+3.5% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 3.53%
+13.3% YoY +6.3% QoQ
-0.39% 3.91%
+2.3% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 70.25%
-16.0% YoY -7.5% QoQ
-49.15% 119.40%
+49.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.00% -1.48% 1.48%
+31.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 76.33%
+23.0% YoY +12.6% QoQ
+2.12% 74.21%
+12.6% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 11.93%
-10.0% YoY +0.8% QoQ
-11.56% 23.49%
+0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.00% -0.84% 0.84%
+23.0% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 20.07%
+1.6% YoY +0.1% QoQ
-7.06% 27.13%
+3.0% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.10%
-10.9% YoY +103.9% QoQ
-1.28% 1.38%
+6.3% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 11.9%
-1.3pp YoY
+0.1pp QoQ
 -12.7pp 24.6% 25.5% 22.2% 14%
Brokered Deposits n/a n/a 9.8% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I n/a n/a 13.4% 11.8% 12.5% n/a
CRE n/a n/a 25.2% 67.5% 41.4% n/a
1-4 Family 6.1%
+2.2pp YoY
+2.4pp QoQ
 -28.9pp 35.0% 16.5% 31.3% 16%
Consumer n/a n/a 7.7% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 23.7% 19.7% n/a
Leverage Ratio 20.1%
+0.3pp YoY
0.0pp QoQ
 +2.4pp 17.7% 14.5% 12.6% 85%
Total Capital Ratio n/a n/a 39.7% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 9
-1 (-10.0%) YoY
0 QoQ
 -3 12 337 482 36%
Assets per Employee ($) $6.3M
+12.8% YoY
-0.1% QoQ
 +$137K $6.2M $11.3M $8.8M 56%
Branch Count 1
-1 (-50.0%) YoY
0 QoQ
 -1 1 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual n/a n/a 1.7% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 4.6%
+2.0pp YoY
+1.1pp QoQ
 -1.8pp 6.4% 8.2% 11.6% 31%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +1.2pp 1.4% 1.9% 1.7% 94%
Net Income ($, YTD) $260,000
+85.7% YoY
— QoQ
 -$58K $317,817 $28.5M $40.4M 46%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M

Top Weaknesses (1 metrics)

437
Non-Interest-Bearing Deposit Share
funding
Value: 11.93%
Peer Median: 23.49%
#437 of 536 Bottom 18.7% in under $100M
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