BlastPoint's Banking Scorecard

American Business Bank

$1B-$10B Specialty: Commercial CA FDIC cert 34788

Los Angeles, CA

10 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +1.7% year over year ($3.9B on the books).
Delinquency rate 0.44%.
Return on assets 1.46%.
Efficiency ratio 46.95% vs a 59.73% peer average.
Loan-to-deposit ratio 78.46% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

American Business Bank has 5 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

+ Non-Interest-Bearing Deposit Share 24.76% above tier average
+ ROA 0.07% above tier average
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 12.78% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.9% in tier
- Credit Risk Growth: Bottom 33.8% in tier

Get updates when American Business 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 ?	$4.4B +2.8% YoY +1.1% QoQ	+$1.6B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$3.1B +7.9% YoY +0.9% QoQ	+$1.1B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$3.9B +1.7% YoY +0.9% QoQ	+$1.6B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 14.9% in tier
Return on Assets ?	1.46% +21.6% YoY +1.0% QoQ	+0.07%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	4.00% +10.6% YoY +0.9% QoQ	+0.12%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	46.95% -8.0% YoY +1.0% QoQ	-12.78%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.44% +9.3% YoY -1.3% QoQ	-0.43%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	78.46% +6.1% YoY +0.0% QoQ	-6.58%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	46.03% +0.3% YoY +1.1% QoQ	+24.76%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 2.4% in tier
Nonperforming Asset Ratio ?	0.31% +14.7% YoY -1.5% QoQ	-0.37%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	12.35% +3.5% YoY +1.7% QoQ	-2.50%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.13% +20.1% YoY +109.2% QoQ	-0.40%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 13.7% in tier

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	46.0% +0.2pp YoY +0.5pp QoQ	+24.7pp	21.4%	25.5%	22.2%	98%
Brokered Deposits	n/a	n/a	9.5%	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	20.9% +3.8pp YoY +0.9pp QoQ	+6.9pp	14.0%	11.8%	12.5%	82%
CRE	75.2% -3.2pp YoY -1.2pp QoQ	+25.2pp	50.0%	67.5%	41.4%	93%
1-4 Family	4.2% -0.7pp YoY 0.0pp QoQ	-22.2pp	26.4%	16.5%	31.3%	6%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	5.3%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.3% +0.4pp YoY +0.2pp QoQ	-3.2pp	15.6%	23.7%	19.7%	30%
Leverage Ratio	11.0% +0.6pp YoY +0.3pp QoQ	-0.3pp	11.3%	14.5%	12.6%	60%
Total Capital Ratio	13.2% +0.4pp YoY +0.2pp QoQ	-3.5pp	16.7%	25.1%	20.8%	26%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	250 -1 (-0.4%) YoY -2 (-0.8%) QoQ	-64	313	337	482	55%
Assets per Employee ($)	$17.7M +3.2% YoY +1.9% QoQ	+$7.2M	$10.5M	$11.3M	$8.8M	93%
Branch Count	10 +1 (+11.1%) YoY 0 QoQ	-10	20	15	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.4%	1.0%	44%
Allowance Coverage	2.55x -7.5% YoY +1.3% QoQ	-16.16x	18.71x	17.11x	20.23x	58%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	15.2% +1.5pp YoY -0.1pp QoQ	+2.6pp	12.6%	8.2%	11.6%	74%
Cost of Funds (YTD)	0.9% -0.2pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.9%	1.7%	4%
Net Income ($, YTD)	$32.1M +28.2% YoY — QoQ	+$12.9M	$19.2M	$28.5M	$40.4M	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Credit Quality Pressure

risk

#104 of 492 • Bottom 20.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#137 of 402 • Bottom 33.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.03%

Peer Median: 21.27%

#22 of 885 Top 2.4% in $1B-$10B

133

Total Deposits

size

Value: $3.94B

Peer Median: $2.32B

#133 of 885 Top 14.9% in $1B-$10B

140

Efficiency Ratio

profitability

Value: 46.95%

Peer Median: 59.73%

#140 of 885 Top 15.7% in $1B-$10B

151

Total Loans

size

Value: $3.09B

Peer Median: $1.96B

#151 of 885 Top 16.9% in $1B-$10B

154

Total Assets

size

Value: $4.42B

Peer Median: $2.79B

#154 of 885 Top 17.3% in $1B-$10B

Top Weaknesses (1 metrics)

765

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#765 of 885 Bottom 13.7% in $1B-$10B