Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
333 West Valley Boulevard
San Gabriel, CA 91776

Asian Pacific National Bank is headquartered in San Gabriel and is the 215st largest bank in the state of California. It is also the 5,851st largest bank in the nation. It was established in 1990 and as of March of 2014, it had grown to 11 employees at 2 locations. Asian Pacific National Bank has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Asian Pacific National Bank has a relatively low asset base.

Texas Ratio


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 Asian Pacific National Bank had $667,000 in non-current loans and owned real-estate with $9.38 million in equity and loan loss allowances on hand to cover it. This gives Asian Pacific National Bank a Texas Ratio of 7.11% 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 Asian Pacific National Bank decreased dramatically from 15.48% as of March 31, 2013 to 7.11% as of March 31, 2014, resulting in a positive change of 54.06%.This indicates that the balance sheet and financial strength for Asian Pacific National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Asian Pacific National Bank has increased its total deposits by $677,000, resulting in 1.51% 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 Asian Pacific National Bank has shown is above average.



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. Asian Pacific National Bank has $54.55 million in assets with $9.38 million in equity, resulting in a capitalization level of 17.19%, which is excellent.

Institution Statistics

FDIC Certificate #33013
Year Established1990
Primary RegulatorOCC
Assets and Liabilities
Assets$54.55 million
Loans$20.48 million
Deposits$45.60 million
Equity Capital$8.81 million
Loan Loss Allowance$566,000
Real Estate Owned$667,000
Historic Data - March 2013
Assets$53.76 million
Equity Capital$8.75 million
Loan Loss Allowance$582,000
Unbacked Noncurrent Loans$0
Real Estate Owned$667,000
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets1.07%
Return on Equity6.66%
Interest Income$511,000

Sorry, we do not have rate data for Asian Pacific National Bank


Asian Pacific National Bank Locations
Rowland Heights Regional Branch17576 Colima RoadRowland Heights, CA 91748
Asian Pacific National Bank333 West Valley BoulevardSan Gabriel, CA 91776