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Overview / Commentary
626-821-9188
630 West Duarte Road
Arcadia, CA 91007

American Plus Bank, N.A. is headquartered in Arcadia and is the 120th largest bank in the state of California. It is also the 2,271st largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 40 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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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Plus Bank, N.A. had $4.26 million in non-current loans and owned real-estate with $46.52 million in equity and loan loss allowances on hand to cover it. This gives American Plus Bank, N.A. a Texas Ratio of 9.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for American Plus Bank, N.A. experienced no significant changes from 6.25% as of March 31, 2013 to 9.15% as of March 31, 2014, resulting in a negative change of 46.49%. This indicates that the balance sheet and financial strength for American Plus Bank, N.A. has had no significant changes in recent periods.

Deposit Growth

GRADE:
D

In the past year, American Plus Bank, N.A. has decreased its total deposits by -$22.64 million, resulting in -9.48% 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 below average.

Capitalization

GRADE:
A+

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 $284.44 million in assets with $46.52 million in equity, resulting in a capitalization level of 16.36%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58469
Year Established2007
Employees40
Primary RegulatorOCC
Assets and Liabilities
Assets$284.44 million
Loans$226.25 million
Deposits$216.07 million
Equity Capital$42.44 million
Loan Loss Allowance$4.09 million
Unbacked Noncurrent Loans$2.46 million
Real Estate Owned$1.80 million
Historic Data - March 2013
Assets$290.67 million
Equity Capital$27.86 million
Loan Loss Allowance$3.97 million
Real Estate Owned$1.99 million
Profit Margin - Quarterly
Net Interest Margin3.73%
Return on Assets2.51%
Return on Equity17.21%
Interest Income$3.03 million
Rates

Always verify rates and promotions with the bank or credit union. We are not American Plus Bank, N.A., we are a rate comparison website and can not provide official rates or promotions.

American Plus Bank, N.A. Savings Account Rates

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

American Plus Bank, N.A. Money Market Rates

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

American Plus Bank, N.A. Checking Account Rates

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

American Plus Bank, N.A. CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$1k-60 Month CD
1.00%$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
Locations


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