American Plus Bank

American Plus Bank Locations
630 West Duarte Road
Arcadia, CA 91007
(626) 821-9188
www.bankaplus.com

American Plus Bank is headquartered in Arcadia and is the 156th largest bank in the state of California. It is also the 3,223rd largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 33 employees at 2 locations. American Plus Bank's savings rates are 69% higher than the national average, and it boasts a 5-star health rating.

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Top CD & Savings Account Rates at American Plus Bank in CA - Local Only - 12/27/2011

Like many banks, deposit rates have fallen at American Plus Bank, N.A. since September when I last reviewed this bank. However, it continues to offer competitive rates on its mid-term CDs. The three b ...

Top CD & Savings Account Rates at American Plus Bank in CA - Local Only - 9/29/2011

American Plus Bank, N.A. continues to offer competitive rates on its mid-term CDs. The two best are the 1.26% APY 1-year CD and the 1.46% APY 2-year CD. Minimum deposit is $1,000. These rates are list ...

2.15% 24-Mo & 1.69% 12-Mo CD At American Plus Bank In SoCal (Forum) - 6/5/2010

American Plus Bank's short-term CD rates are also competitive: 1.49% APY for 270 days and 1.39% APY for 180 days. Minimum deposit is $1,000. Branches are located in the suburbs of Los Angeles in the cities of Arcadia and Rowland Heights. Ratings for saf

Competitive CDs and Money Market Account at American Plus Bank in CA - Local Only - 1/29/2010

American Plus Bank, N.A. continues to offer competitive rates on its short-term and mid-term CDs. These include a 1.64% APY 6-month CD, a 1.90% APY 12-month CD and a 2.27% APY 24-month CD. Minimum de ...

2009




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See Rates for: Checking | Savings | Money Market | CD

American Plus Bank Checking Account Rates

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

American Plus Bank Savings Account Rates

ApyMinMaxProduct
1.08%$100k-Personal Savings
1.08%$100k-Business Savings

American Plus Bank Money Market Rates

ApyMinMaxProduct
0.88%$50k-Personal Money Market Account
0.88%$50k-Business Money Market Account

American Plus Bank CD Rates

ApyMinMaxProduct
1.36%$1k-60 Month CD
1.26%$1k-24 - 59 Month CD
1.16%$1k-12 - 23 Month CD
1.00%$1k-270 - 364 Day CD
0.95%$1k-180 - 269 Day CD
0.90%$1k-150 - 179 Day CD
0.80%$1k-120 - 149 Day CD
0.70%$1k-90 - 119 Day CD
0.60%$1k-31 - 89 Days CD
0.50%$1k-7 - 30 Days CD

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


American Plus Bank, N.A.
FDIC Certificate #58469
BankRate ReportView
Year Established2007
Employees33
Primary RegulatorOCC

Assets and Liabilities

Assets$190.97 million
Loans$162.41 million
Deposits$149.04 million
Equity Capital$21.96 million
Loan Loss Allowance$2.84 million
Unbacked Noncurrent Loans$1.30 million
Real Estate Owned$850,000

Historic Data - September 2010

Assets$164.09 million
Equity Capital$19.88 million
Loan Loss Allowance$2.18 million

Profit Margin - Quarterly

Net Interest Margin4.13%
Return on Assets0.68%
Return on Equity5.3%
Interest Income$6.41 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
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 September 30, 2011 American Plus Bank had $2.15 million in non-current loans and owned real-estate with $24.8 million in equity and loan loss allowances on hand to cover it. This gives American Plus Bank a Texas Ratio of 8.65% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth5
In the past year, American Plus Bank has increased its total deposits by $10.15 million, resulting in 7.31% 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 has shown is excellent.
Capitalization5
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 has $190.97 million in assets with $24.8 million in equity, resulting in a capitalization level of 12.98%, which is excellent.
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