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American Business Bank
Los Angeles, CA·FDIC Cert #34788·Charter: STATE·Est. 19980928.0
Total Assets
$4.4B
Q4 2025
Return on Assets
1.27%
+0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.89%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
64
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.03
ROE
14.25%+0.17
Efficiency
47.89%-1.56
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
76.18%+3.95
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.0 | 1.0 | 1.1 | 1.2 | 1.2 | 1.2 | 1.3 |
| ROE | 13.3 | 12.5 | 12.4 | 12.9 | 13.2 | 13.7 | 14.1 | 14.3 |
| Efficiency | 53.0 | 54.6 | 54.4 | 53.1 | 51.8 | 51.0 | 49.5 | 47.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 76.9 | 74.4 | 69.8 | 74.6 | 74.5 | 73.9 | 72.2 | 76.2 |
Balance Sheet
Total Assets$4.4B
Total Deposits$4.0B
Total Loans$3.0B
Total Equity$411.1M
Profitability
ROA1.27%
ROE14.25%
Efficiency Ratio47.89%
Net Income$54.2M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate0.00%
Loan/Deposit76.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans