BlastPoint's Banking Scorecard
American Business Bank
Community
Specialty: Commercial
CA
FDIC cert 34788
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
American Business Bank shows strong momentum with 1 strength and 9.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.01% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+9.1% YoY
-1.1% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.0B
+10.7% YoY
+4.3% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$4.0B
+8.5% YoY
-1.1% QoQ
|
+$2.8B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.27%
+16.4% YoY
+2.5% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.76%
+14.8% YoY
+2.1% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
47.89%
-9.8% YoY
-3.2% QoQ
|
-14.74% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.40%
+46.6% YoY
-2.4% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
76.18%
+2.1% YoY
+5.5% QoQ
|
-6.88% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
45.05%
-0.2% YoY
-3.8% QoQ
|
+24.01% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+48.9% YoY
+3.0% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
12.11%
-0.3% YoY
+0.2% QoQ
|
+1.87% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.23%
-0.5% YoY
+41.2% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
45.05%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $4.0B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.05% · Tier avg: 21.05%
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
87
87th pctile
Efficiency Ratio
Current: 47.89% · Tier avg: 62.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 83.06%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
58
58th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 83.06%
87
87th pctile
Efficiency Ratio
Current: 47.89% · Tier avg: 62.63%
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.05% · Tier avg: 21.05%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $4.0B · Tier avg: $1.2B