BlastPoint's Banking Scorecard
American Plus Bank, N.A.
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Arcadia, CA
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +4.2% year over year ($748.0M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.81%.
- Efficiency ratio 31.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 105.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Plus Bank, N.A. has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6.5% in tier
- + Efficiency Ratio 32.64% below tier average
- + ROA 0.48% above tier average
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.2% in tier
- - Credit Risk Growth: Bottom 11.5% in tier
- - Liquidity Overhang: Bottom 21.3% in tier
- - Non-Interest-Bearing Deposit Share 16.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$935.0M
+7.2% YoY
+5.0% QoQ
|
+$548.5M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Top 2.4% in tier |
| Total Loans ? |
$792.1M
+4.5% YoY
+4.7% QoQ
|
+$533.7M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 0.4% in tier |
| Total Deposits ? |
$748.0M
+4.2% YoY
+4.4% QoQ
|
+$421.3M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Top 4.5% in tier |
| Return on Assets ? |
1.81%
+19.4% YoY
+10.6% QoQ
|
+0.48% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
4.04%
+8.3% YoY
+0.0% QoQ
|
+0.05% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
31.84%
-7.0% YoY
-4.7% QoQ
|
-32.64% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
0.04%
-10.1% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
105.89%
+0.3% YoY
+0.3% QoQ
|
+27.94% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.84%
-5.7% YoY
+8.3% QoQ
|
-16.19% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.5% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-12.6% YoY
-5.4% QoQ
|
-0.39% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
16.46%
+4.8% YoY
-0.1% QoQ
|
+0.56% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.16%
+83.1% YoY
+420.4% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
37% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
5.8%
-0.4pp YoY +0.4pp QoQ |
-16.3pp | 22.1% | 25.5% | 22.2% | 4% |
| Brokered Deposits |
7.0%
+3.9pp YoY +0.7pp QoQ |
-0.8pp | 7.9% | 11.0% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
-1.0pp YoY -1.2pp QoQ |
-7.0pp | 11.6% | 11.8% | 12.5% | 18% |
| CRE |
89.8%
+4.9pp YoY +1.8pp QoQ |
+50.2pp | 39.5% | 67.5% | 41.4% | 99% |
| 1-4 Family |
4.7%
-1.1pp YoY -0.3pp QoQ |
-27.9pp | 32.6% | 16.5% | 31.3% | 4% |
| Consumer |
1.7%
-1.0pp YoY -0.3pp QoQ |
-2.4pp | 4.1% | 5.3% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
16.5%
+0.7pp YoY 0.0pp QoQ |
+4.3pp | 12.2% | 14.5% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
0 YoY 0 QoQ |
-9 | 58 | 337 | 482 | 53% |
| Assets per Employee ($) |
$18.7M
+7.2% YoY +5.0% QoQ |
+$11.2M | $7.5M | $11.3M | $8.8M | 99% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 15 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | 0.0% | -0.9pp | 0.9% | 1.4% | 1.0% | 9% |
| Allowance Coverage |
42.30x
+11.3% QoQ |
+18.15x | 24.15x | 17.11x | 20.23x | 93% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+1.8pp YoY +1.2pp QoQ |
-1.1pp | 12.2% | 8.2% | 11.6% | 44% |
| Cost of Funds (YTD) |
2.8%
-0.6pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.9% | 1.7% | 95% |
| Net Income ($, YTD) |
$8.1M
+32.7% YoY — QoQ |
+$5.6M | $2.6M | $28.5M | $40.4M | 97% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.