American Business Bank

What sets American Business Bank apart

How large is American Business Bank?

The balance sheet of American Business Bank at Q2 2026: assets $4.4 bn, deposits $3.9 bn, net loans $3.1 bn (loans equal to 78.46% of deposits). Securities make up 21.9% of total assets at American Business Bank. Since Q1 2016, when American Business Bank held $1.7 bn, its assets grew 153.2%. In the year to Q2 2026, deposits at American Business Bank rose 1.7% while its total assets rose 2.8%. At Q2 2026, American Business Bank employed 250 full-time equivalent staff across 10 offices, about $17.7 mn of assets per employee and $393.8 mn of deposits per office.

How much funding at American Business Bank is uninsured?

At American Business Bank, uninsured deposits (above the FDIC limit) made up 75.74% of domestic deposits at Q2 2026 (-0.51 pp on a year earlier); American Business Bank ranks 13th of 500 on this measure. In dollars, American Business Bank estimated $3.0 bn of uninsured deposits.

Key facts, Q2 2026

US rank of American Business Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of American Business Bank stood at 12.35% in Q2 2026, +0.43 pp year on year. Low and high at American Business Bank since Q1 2016: 11.35% (Q3 2022) to 16.52% (Q1 2016). Equity capital of American Business Bank at Q2 2026: $436.7 mn, or 9.9% of total assets. American Business Bank also reported a total capital ratio of 13.24% for Q2 2026, and a tier 1 leverage ratio of 11.01%.

On held-to-maturity securities, American Business Bank carried an unrealized loss of $84.7 mn at Q2 2026, equal to 19.4% of equity capital. The loss narrowed by $22.6 mn over the year. Its deepest point: $127.1 mn in Q3 2023. The available-for-sale portfolio of American Business Bank showed an unrealized loss of $70.2 mn at Q2 2026; the loss narrowed by $27.3 mn over the year.

For the year to Q2 2026, American Business Bank earned a return on equity of 15.17%; return on assets: 1.46%. Net interest margin at American Business Bank: 4.00%, +0.38 pp in a year. American Business Bank net income: $32.1 mn, up 28.2% year on year. The efficiency ratio of American Business Bank was 46.95%: about 47 cents cost per revenue dollar, against 59 cents at the median peer.

At Q2 2026, noncurrent loans were 0.44% of total loans at American Business Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at American Business Bank: $3.1 bn, up 7.9% in a year.

The peer group of American Business Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of American Business Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, American Business Bank shows CET1 ratio 12.35% against a peer median of 12.78%, return on equity 15.17% against a peer median of 12.62% and uninsured deposit share 75.74% against a peer median of 40.21%.

Large one-quarter moves at American Business Bank

• Total assets at American Business Bank changed by +29.9% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.