BlastPoint's Banking Scorecard
American Plus Bank, N.A.
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Arcadia, CA
4 branches across CA
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 7.4% in tier
- + Efficiency Ratio 31.87% below tier average
- + ROA 0.36% above tier average
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.7% in tier
- - Liquidity Overhang: Bottom 18.4% in tier
- - Non-Interest-Bearing Deposit Share 16.63% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.7M
+13.7% YoY
+2.7% QoQ
|
+$504.6M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 4.1% in tier |
| Total Loans ? |
$756.6M
+12.7% YoY
+0.1% QoQ
|
+$500.8M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 0.9% in tier |
| Total Deposits ? |
$716.6M
+13.0% YoY
+0.7% QoQ
|
+$388.6M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 5.7% in tier |
| Return on Assets ? |
1.63%
+0.2% YoY
-9.5% QoQ
|
+0.36% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
4.04%
+11.8% YoY
+3.5% QoQ
|
+0.11% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
33.42%
-4.7% YoY
-2.3% QoQ
|
-31.87% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 1.4% in tier |
| Delinquency Rate ? |
0.04%
-0.1% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
105.58%
-0.2% YoY
-0.5% QoQ
|
+28.94% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.39%
+153.4% YoY
+0.2% QoQ
|
-16.63% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.9% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-17.0% YoY
-2.6% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
16.49%
-3.8% YoY
-0.1% QoQ
|
+0.66% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.03%
-52.3% YoY
-92.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.2% in tier |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need 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.