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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Arcadia, CA · FDIC certificate #58469
AMERICAN PLUS BANK N A is an FDIC-insured institution based in Arcadia, CA (FDIC certificate #58469). In its Q3 2026 Call Report it reported total assets of $934M, total deposits of $762M and net loans of $781M. Its primary federal regulator is OCC.
Plain-language readout
AMERICAN PLUS BANK N A has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $935M in Q2 2026 and were lowest at $891M in Q1 2026.
Total deposits were highest at $762M in Q3 2026 and lowest at $717M in Q1 2026.
Over the whole period total assets rose 4.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $934M | $762M | $781M | 1.81% | 11.08% | 4.08% |
| Q2 2026 | $935M | $748M | $792M | 1.81% | 11.09% | 4.04% |
| Q1 2026 | $891M | $717M | $757M | 1.63% | 9.94% | 4.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.4M | $34.4M | +$3.0M | +8.7% |
| Federal funds sold | $50.0M | $51.0M | -$1.0M | -2.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $10.4M | $10.9M | -$493K | -4.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $792.1M | $756.6M | +$35.5M | +4.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.1M | $8.2M | +$5.8M | +70.5% |
| Other real estate owned | $2.3M | $2.3M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $483K | $345K | +$138K | +40.0% |
| Direct and indirect investments in real estate ventures | $6.5M | $6.5M | -$18K | -0.3% |
| Intangible assets (goodwill, servicing, other) | $3.1M | $3.2M | -$32K | -1.0% |
| All other assets | $18.8M | $17.4M | +$1.4M | +8.3% |
| Total assets | $935.0M | $890.7M | +$44.4M | +5.0% |
| Liabilities | ||||
| Total deposits | $748.0M | $716.6M | +$31.4M | +4.4% |
| Federal funds purchased | $14.0M | $15.0M | -$1.0M | -6.7% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.0M | $5.0M | +$6.0M | +120.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $12.1M | $8.7M | +$3.4M | +38.6% |
| Total liabilities | $785.1M | $745.3M | +$39.8M | +5.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $19.0M | $19.0M | $0K | 0.0% |
| Surplus | $19.7M | $19.7M | $0K | 0.0% |
| Retained earnings | $111.6M | $107.1M | +$4.5M | +4.2% |
| Accumulated other comprehensive income | -$264K | -$347K | +$83K | +23.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $150.0M | $145.4M | +$4.6M | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.6M | $2.6M | -$18K | -0.7% |
| Adjusted nonperforming assets | $2.6M | $2.6M | -$18K | -0.7% |
| Tangible equity plus allowance | $159.0M | $153.8M | +$5.2M | +3.4% |
| Texas ratio (gross) | 1.63% | 1.69% | -0.07 pts | See points |
| Texas ratio (adjusted) | 1.63% | 1.69% | -0.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.63% | 1.69% | -0.07 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.46% | 16.49% | -0.02 pts | See points |
| Construction and land loans to total capital | 112.29% | 104.36% | +7.93 pts | See points |
| Commercial real estate to total capital | 420.35% | 404.20% | +16.16 pts | See points |
| Dividend payout, year to date | 21.76% | 49.16% | -27.41 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.20% | -0.24% | +0.04 pts | See points |
| Liquidity | ||||
| Core deposits | $531.2M | $518.6M | +$12.6M | +2.4% |
| Non-core funding | $241.8M | $218.0M | +$23.8M | +10.9% |
| Loans to core deposits | 151.40% | 148.12% | +3.28 pts | See points |
| Loans to deposits | 107.51% | 107.19% | +0.32 pts | See points |
| Brokered deposits share of deposits | 7.01% | 6.36% | +0.65 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 41.64% | 44.02% | -2.38 pts | See points |
| Volatile liabilities | $265.3M | $240.4M | +$24.8M | +10.3% |
| Earnings | ||||
| Earnings before provision, year to date | $12.7M | $5.8M | +$6.9M | +119.5% |
| Earnings before provision, single quarter | $6.9M | $5.8M | +$1.1M | +19.5% |
| Provision for credit losses, year to date | $1.3M | $745K | +$533K | +71.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.06% | 6.99% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.84% | 3.87% | -0.03 pts | See points |
| Total interest income to average assets | 6.60% | 6.58% | +0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.30% | 0.98% | +0.32 pts | See points |
| Cost of savings and money market deposits | 3.13% | 3.07% | +0.05 pts | See points |
| Cost of time deposits | 3.71% | 3.73% | -0.02 pts | See points |
| Total interest expense to average assets | 2.68% | 2.68% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $934M | $762M | $781M | 1.81% | 11.08% | 4.08% |
| 2026-06-30 | $935M | $748M | $792M | 1.81% | 11.09% | 4.04% |
| 2026-03-31 | $891M | $717M | $757M | 1.63% | 9.94% | 4.04% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $717.9M | 0.04% | 96 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.