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Overview / Commentary
630 West Duarte Road
Arcadia, CA 91007

American Plus Bank, N.A. is headquartered in Arcadia and is the 121st largest bank in the state of California. It is also the 2,253rd largest bank in the nation. It was established in 2007 and as of December of 2013, it had grown to 39 employees at 2 locations. American Plus Bank, N.A.'s money market rates are 36% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 American Plus Bank, N.A. had $1.8 million in non-current loans and owned real-estate with $44.64 million in equity and loan loss allowances on hand to cover it. This gives American Plus Bank, N.A. a Texas Ratio of 4.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Plus Bank, N.A. decreased dramatically from 6.44% as of December 31, 2012 to 4.03% as of December 31, 2013, resulting in a positive change of 37.41%.This indicates that the balance sheet and financial strength for American Plus Bank, N.A. has improved dramatically in recent periods.

Deposit Growth


In the past year, American Plus Bank, N.A. has decreased its total deposits by -$26.7 million, resulting in -10.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Plus Bank, N.A. has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Plus Bank, N.A. has $285.89 million in assets with $44.64 million in equity, resulting in a capitalization level of 15.61%, which is excellent.

Institution Statistics

FDIC Certificate #58469
Year Established2007
Primary RegulatorOCC
Assets and Liabilities
Assets$285.89 million
Loans$221.51 million
Deposits$217.82 million
Equity Capital$40.62 million
Loan Loss Allowance$4.02 million
Real Estate Owned$1.80 million
Historic Data - December 2012
Assets$296.11 million
Equity Capital$26.92 million
Loan Loss Allowance$3.97 million
Real Estate Owned$1.99 million
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets1.22%
Return on Equity10.16%
Interest Income$12.84 million

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American Plus Bank, N.A. Savings Account Rates

0.70%$100k-Personal Savings
0.70%$100k-Business Savings

American Plus Bank, N.A. Money Market Rates

0.60%$50k-Personal Money Market Account
0.60%$50k-Business Money Market Account

American Plus Bank, N.A. Checking Account Rates

0.20%--Personal NOW Account
0.20%--Business NOW Account
0.20%--Attorney Client Trust

American Plus Bank, N.A. CD Rates

1.75%$1k-60 Month CD
0.90%$1k-24 - 59 Month CD
0.85%$1k-12 - 23 Month CD
0.80%$1k-270 - 364 Day CD
0.70%$1k-180 - 269 Day CD
0.60%$1k-150 - 179 Day CD
0.50%$1k-90 - 119 Day CD
0.50%$1k-120 - 149 Day CD
0.40%$1k-31 - 89 Days CD
0.30%$1k-7 - 30 Days CD

American Plus Bank, N.A. Locations
Rowland Heights Branch17506 Colima RoadRowland Heights, CA 91748
American Plus Bank, N.A.630 West Duarte RoadArcadia, CA 91007