BlastPoint's Banking Scorecard
American Plus Bank, N.A.
Community
Specialty: Commercial
CA
FDIC cert 58469
Arcadia, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
American Plus Bank, N.A. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25% in Community
- + Efficiency Ratio 28.41% below tier
- + Loan-to-Deposit Ratio 23.06% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Non-Interest-Bearing Deposit Share 15.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$867.2M
+13.1% YoY
+1.0% QoQ
|
-$524.2M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$755.4M
+16.1% YoY
+2.3% QoQ
|
-$220.0M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$711.8M
+14.7% YoY
+0.7% QoQ
|
-$452.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.81%
+9.3% YoY
+10.9% QoQ
|
+0.64% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.90%
+10.1% YoY
+0.9% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
34.22%
-1.4% YoY
-5.1% QoQ
|
-28.41% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? | 0.04% | -0.59% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
106.13%
+1.2% YoY
+1.6% QoQ
|
+23.06% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.38%
+143.9% YoY
-8.1% QoQ
|
-15.67% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-16.6% YoY
+12.1% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.41%
-7.0% YoY
+139.1% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#93 of 371 · Top 25% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
34.22%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
106.13%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Credit Quality Pressure
risk
#47 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.38%
(Tier avg: 21.05%, National avg: 21.79%)
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
98
98th pctile
Efficiency Ratio
Current: 34.22% · Tier avg: 62.63%
94
94th pctile
Loan-to-Deposit Ratio
Current: 106.13% · Tier avg: 83.06%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
65
65th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
54
54th pctile
Total Loans
Current: $755.4M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $867.2M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $711.8M · Tier avg: $1.2B
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.38% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.38% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
40
40th pctile
Total Deposits
Current: $711.8M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $867.2M · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $755.4M · Tier avg: $975.5M
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
65
65th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.16%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
94
94th pctile
Loan-to-Deposit Ratio
Current: 106.13% · Tier avg: 83.06%
98
98th pctile
Efficiency Ratio
Current: 34.22% · Tier avg: 62.63%