Is American Business Bank Safe?
American Business Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while Tier 1 capital is its weakest area (76/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 11.94% | 76/100 |
| Nonperforming Loan Ratio | 0.26% | 95/100 |
| Liquidity Ratio | 31.16% | 100/100 |
| Return on Assets | 1.42% | 77/100 |
| Total Assets | $3.9B | |
How does American Business Bank compare?
With a Bank Health Score of 88/100, American Business Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, American Business Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 11.94% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.26% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, American Business Bank's Bank Health Score held roughly steady at 88/100. Tier 1 capital strengthened by 0.22 percentage points to 11.94%. Quarter-over-quarter, the score rose by 1.0 points.
American Business Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while Tier 1 capital is its weakest area (76/100).